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प्रश्न
Distinguish between the following.
Commercial Bank and Central Bank.
Give any one difference between Commercial bank and Central Bank.
उत्तर
| Commercial bank | Central Bank | |
| Meaning | A commercial bank is a bank which accepts deposits from the public for the purpose of lending. It also performs secondary functions. | The Central Bank (RBI) regulates money supply in the country. It also acts as a banker to the Government and to the other banks. |
| Examples | Bank of Baroda, Dena Bank, SBI, Central Bank of India etc., are commercial banks. | Reserve Bank of India is the Central Bank in India. |
| Printing of Currency | The commercial bank cannot print currency notes and coins. | The RBI has the power to print currency notes in India. (Except 1 Rs. Notes) |
| Acceptance of Deposits | The commercial bank accepts deposits from the public. | The RBI does not accept deposits from the public. |
| Provision of Loans | The commercial bank provides loans to the industry and to the public. | The RBI provides loans to scheduled banks and financial institutions. |
| Ownership | It can be owned by private and /or Government agencies. | It is owned and controlled by the Government of India. |
Notes
Students should refer to the answer according to their questions.
संबंधित प्रश्न
Clearing house system economises the use of cash.
The Central bank may take direct action against the defaulting commercial banks.
Answer the following question.
Explain the 'lender of last resort' function of central bank.
Explain bankers bank function of a Central bank.
State whether the following statement is True or False:
The main objective of the Central Bank is to earn a profit.
Explain 'Bankers' Bank' function of the central bank.
State with reason. Whether you ‘agree’ or ‘disagree’ with the following statement:
Central Bank is called as the bankers' bank .
State whether the following statements are True or False with reasons (Any Four) :
The Central bank works as a Bankers’ Bank.
Define or Explain the following concept.
Clearing House System
Give reason or explain.
The CRR affects the lending capacity of the banks.
Distinguish between:
Cash Reserve Ratio and Statutory Liquidity Ratio
Write short note on:
Regulation of Margin Requirements
Write Short note on :
Cash Reserve Ratio (CRR)
Answer the following question:
“Central Bank of the country has the monopoly of note issue.” Explain.
Answer the following question:
Explain the Data Collection and Publicity functions of the Central Bank.
State with reason whether you agree or disagree with the following statement.
A co-operative bank acts as a lender of the last resort.
Answer in detail.
Explain the functions of the Central Bank.
State with reason whether you 'agree' or 'disagree' with the following statement.
Central bank is a bank which issues notes.
Explain the following function of the Central Bank:
Fiscal agent of the government.
Elaborate the ‘Banker’s Bank and Supervisor’ function performed by the Reserve Bank of India.
