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Explain Different Types of Loans and Advances Provided by Commercial Banks. - Economics

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प्रश्न

Explain different types of loans and advances provided by commercial banks.

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2014-2015 (March)

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संबंधित प्रश्न

The ratio of total deposits that a commercial bank has to keep with Reserve Bank of India is
called:( choose the correct alternative)

(a) Statutory liquidity ratio

(b) Deposit ratio

(c) Cash reserve ratio

(d) Legal reserve ratio


 A bank is an institution which deals in money and _____________

(commodity money/credit/barter/standard money)


Explain the agency function of commercial banks.


Explain the various types of deposits.


Explain, with reason, whether you Agree or Disagree with the following statement.
Commercial banks provide many general utility services.


Explain the process of money creation by the commercial banks with the help of a numerical example.


Fill in the blank using proper alternatives given in the bracket:

............................... is a primary function of commercial bank.


State whether the following statement is true or false:

Central bank also performs commercial banking business.


Distinguish between the following :

Quantitative and Qualitative measures of credit control.


Answer the following question :

What are the different types of loans provided by commercial banks ?


State whether the following statement is true or false.

The Cash Reserve Ratio does not affect the lending capacity of the commercial banks.


Give reason or explain the following statement:

Rate of interest on fixed deposit is high.


Explain with reason, whether you agree or disagree with the following statement:

Commercial banks perform agency functions to earn profit.


Fill in the blank using proper alternatives given in the bracket:

.................consumption cannot be zero.


Fill in the blank using proper alternatives given in the bracket:

The primary function of commercial banks is to ...................


Write short Answer for the following question:

Explain various types of Bank Deposits ?


 Write explanatory note.

Primary functions of commercial bank.


 Fill in the blank with appropriate alternatives given in the bracket :

 Commercial banks create __________. 


 State whether the following statements are TRUE or FALSE:   

Commercial banks play an important role in economic development. 


Write answers in ‘one’ or ‘two’ paras each.

What are the primary functions of commercial banks?  

 


Explain the following concepts or give definitions. 

Savings deposits 


State whether the following statements are True or False with reasons : 

 The interest is more on savings deposits.  


Define or Explain the concept

Current deposit


State whether the following statement is True or False.

Credit money is created by the central bank of a country. 


State whether the following statement is True or False.

There is no difference between primary deposit and secondary deposit of a commercial bank. 


Define explain the following concept.

Cash credit 


Define explain the following concept.

Safe deposit vault 


Give reason or explain the following statement:

Commercial banks provide agency functions to earn profits.


Give reason or explain the following statement:

Rate of interest on fixed deposit is high. 


Distinguish between: 

Call loans and long term loans 


Distinguish between: 

Current account and saving account


Distinguish between: 

Cash credit and overdraft facility 


Write short note on: 

Derivative deposit 


Write short note on:

D-mat account 


State with reason whether you agree or disagree with the following statement. 

A commercial bank create credit on the basis of primary deposit. 


Answer in detail:
Explain the process of credit creation. 


A Commercial Bank is an institution that provides services ______.


The Functions of commercial banks are broadly classified into ______.


Define Commercial banks.


What is credit creation?


CRR is ______ 


Which of the following points indicates that RBI is controlling the commercial banks? 


The process of money creation or credit creation is done by ______


Which of the following points states that the open market operation helps in controlling credit creation?


What is the effect of a rise in the rate of SLR on the creation of credit?


What role of RBI is known as 'lender of last resort'?


M3 and M4 are known as ______ money.


High Powered Money includes ______


The word 'net' implies that ______ is to be included in the money supply.


Kalpana said that Commercial Bank is the controller of credit. Geeta said that the Central Bank is the controller of credit. Bobby said that both the commercial bank and the Central Bank are the controller of credit. Who among them is not correct?


Saving deposit in the Post office is a part of ______


Commercial Bank was facing a financial crisis due to the crisis of non-performing assets. It went to the RBI for help. What role will RBI play in such a case?


M3 = ______


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