Do we need stringent Laws to deal with the Bureaucratic Corruption, lethargy and supine slackness affecting the Farmers in availing Loans from Financial Institutions in developing their Agricultural Produces and Forest Produces? Do you think that Laws must also be enacted to enable the Indian Farmers to avail loan and subsidy directly from such Financial Institutions without routing through the Bureucratic level? What is the scenario in this Area in other parts of the world?