Banking UPSC Questions

Economics

Banking MCQ Questions


1.
In india ,which of the following have the highest share in the disbursement of credit to agriculture and allied activities ?
UPSC - 2011
A.
Commercial banks.
B.
Cooperative banks.
C.
Regional rural banks.
D.
Microfinance institutions.
😑 View Answer Rough Work Error
ANSWER :
A. Commercial banks.
2.
Why is the offering of "teaser loans " by commercial banks a cause of economic concern ?
1. The teaser loans are considered to be an aspect of sub-prime lending and banks may be exposed to the risk of defaulters in the future.
2. In India, the teaser loans are mostly given to inexperienced entrepreneurs to set up manufacturing or export units. Which of the statements given above is/are correct?
UPSC - 2011
A.
1 only
B.
2 only
C.
Both 1 and 2
D.
Neither 1 nor 2
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ANSWER :
A. 1 only
3.
Microfinance is the provision of financial services to people of low-income groups. This includes both the consumers and the self-employed. The service/services rendered under microfinance is/are:
1. Credit facilities
2. Savings facilities
3. Insurance facilities
4. Fund transfer facilities
Select the correct one using the codes given below the lists:
UPSC - 2011
A.
1 only
B.
1 and 4 only
C.
1 and 4 only
D.
1 2 3 and 4
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ANSWER :
D. 1 2 3 and 4
4.
Priority Sector Lending by banks in India constitutes the lending to
UPSC - 2013
A.
agriculture
B.
micro and small enterprises
C.
weaker sections
D.
All of the above
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ANSWER :
D. All of the above
5.
Consider the following liquid assets:
1. Demand deposits with the banks
2. Time deposits with the banks
3. Savings deposits with the banks
4. Currency
The correct sequence of these assets in the decreasing order of liquidity is
UPSC - 2013
A.
1-4-3-2
B.
4-3-2-1
C.
2-3-1-4
D.
4-1-3-2
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ANSWER :
D. 4-1-3-2
6.
The Reserve Bank of India regulates the commercial banks in matters of
1. liquidity of assets
2. branch expansion
3. merger of banks
4. winding-up of banks
Select the correct answer using the codes given below:
UPSC - 2013
A.
1 and 4 only
B.
2, 3 and 4 only
C.
1, 2 and 3 only
D.
1, 2, 3 and 4
😑 View Answer Rough Work Error
ANSWER :
D. 1, 2, 3 and 4