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प्रश्न
Answer the following question :
What are the different types of loans provided by commercial banks ?
उत्तर
Loans : Loans are the credit provided by banks for a certain time period bearing a varying rate of interest. Various type of loans provided by the banks are as follows:
(i) Call Loans/Money at Call Notice : These loans are provided for a period of 7 to 15 days. These loans are generally taken by bill brokers or stock brokers. These are called as call loans, as they can be called back anytime by the commercial bank from the borrowers. Hence, rate of interest is the lowest.
(ii) Short term loans : These are provided by commercial banks for a period of not more than two years. They are given to the businessmen to satisfy their working capital requirement. The rates of interest are higher than call loans and lower than medium term loans.
(iii) Medium term loans : These loans are provided by commercial banks for a period ranging from two to five years. Such loans are useful to producers and manufacturers for making changes in the methods of production, purchase of equipment, tools, etc.
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संबंधित प्रश्न
A bank is an institution which deals in money and _____________
(commodity money/credit/barter/standard money)
Explain, with reason, whether you Agree or Disagree with the following statement.
Commercial banks provide many general utility services.
Fill in the blank using proper alternatives given in the bracket:
............................... is a primary function of commercial bank.
Fill in the blank using proper alternatives given in the bracket:
The primary function of commercial banks is to ...................
Write short notes (Any Two)
Types of loans of commercial bank.
Fill in the blank with appropriate alternatives given below
__________ is a primary function of commercial banks.
State whether the following statement is True or False.
Commercial banks are the backbone of modern economy.
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.
Fixed deposits
Define explain the following concept.
Discounting of bills
Write short note on:
D-mat account
Answer the following question:
Explain various types of deposits.
State with reason whether you agree or disagree with the following statement.
A commercial bank create credit on the basis of primary deposit.
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Write the mechanism of credit creation by commercial banks.
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What are the important features of a capitalist economy?
______ is the total liability of the monetary authority of the country.
Which of the following are the agency functions of commercial banks?
M3 and M4 are known as ______ money.
M4 = ______ + Total deposits with the Post Office Saving Organization (excluding National Saving Certificate).
High Powered Money includes ______
The word 'net' implies that ______ is to be included in the money supply.
In the present COVID-19 situation, many economists have raised their concerns that the Indian economy may have to face a deflationary situation due to reduced economic activities in the country. Suppose you are a member of the high-powered committee constituted by the Reserve Bank of India (RBl). You have suggested that as the supervisor of commercial banks, ______ (restriction/release) of the money supply be ensured by the Reserve Bank of India (RBI).
Identify the correctly matched pair of the items in Column A to that of Column B
| Column A | Column B | ||
| 1 | Money | (a) | Supply of Money |
| 2 | Commercial Bank | (b) | Store of Value |
| 3 | Central Bank | (c) | Credit Control |
| 4 | M4 | (d) | Circulation of Money |
