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प्रश्न
Match the following:
| Group A | Group B |
| 1. D-mat account | a. Current account |
| 2. Over draft facility | b. Agency function |
| 3. ATM facility | c. Share brokers |
| 4. Commercial bank | d. General function |
| 5. Credit creation | e. Recurring account |
| f. Profit making | |
| g. Central bank | |
| h. Commercial bank |
उत्तर
| Group A | Group B |
| 1) D-mat account | c. Share brokers |
| 2) Over-draft facility | a. Current account |
| 3) ATM facility | d. General function |
| 4) Commercial banks | f. Profit making |
| 5) Credit creation | h. Commercial banks |
Explanations:
1. Dematerialised account (D-mat account) facility is useful for the shareholders. The transactions related to purchase and sale of shares are recorded in this account.
2. Over-draft facility is provided to current account holders which facilitates them to withdraw some amount of money beyond their deposits from the bank. For this facility commercial banks charge some nominal interest on the extra amount drawn.
3. ATM facility is the general function of commercial banks which facilitates the consumers to withdraw cash at any time without actually visiting the bank.
4. Commercial banks are profit making institutes. They accept deposits from the public and pay interest on it and advance these deposits as loan to seekers at an interest rate higher than that what was offered on deposits. This is how they make profits.
5. By advancing loans out of the deposits, commercial banks create credit in an economy. They channelize surplus money from the public and offer those to the seekers.
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संबंधित प्रश्न
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Answer the following question :
What are the different types of loans provided by commercial banks ?
State with reason. Whether you ‘agree’ or ‘disagree’ with the following statement:
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State whether the following statements are TRUE or FALSE:
Commercial banks play an important role in economic development.
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What are the primary functions of commercial banks?
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State whether the following statement is True or False.
The saving bank deposit can be opened with a small amount.
Define explain the following concept.
Fixed deposits
Define explain the following concept.
Discounting of bills
Give reason or explain the following statement:
Commercial banks provide agency functions to earn profits.
Give reason or explain the following statement:
Overdraft facility is provided to current account holders.
Give reason or explain the following statement:
Saving account deposits are usually opened by salaried class.
Give reason or explain the following statement:
Rate of interest on fixed deposit is high.
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Call loans and long term loans
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Current account and saving account
Distinguish between:
Cash credit and overdraft facility
Write short note on:
Derivative deposit
Write short note on:
Long term loans
Answer the following question:
What are the different types of loans provided by commercial banks?
State with reason whether you 'agree' or 'disagree' with the following statement.
Credit creation of commercial banks is based on primary deposits.
Explain the functions of a commercial bank.
Bank credit refers to ______.
Credit creation means.
What is credit creation?
Which of the following points indicates that RBI is controlling the commercial banks?
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Identify the correctly matched pair of the items in Column A to that of Column B
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| 1 | Money | (a) | Supply of Money |
| 2 | Commercial Bank | (b) | Store of Value |
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| 4 | M4 | (d) | Circulation of Money |
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