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DRIVE Spring 2015
PROGRAM MBADS (SEM
3/SEM 5)
MBAFLEX/ MBA (SEM
3) PGDBMN (SEM 1)
SUBJECT CODE &
NAME- MA0036 & FINANCIAL SYSTEM & COMMERCIAL BANKING
BK ID-B1770
CREDITS-4
MARKS-60
Q1. Financial
system is a set of inter-related economic activities working together to achieve
economic development. Explain the significance, characteristics, need and
importance of financial system.
(Significance of
financial system, Characteristics of financial system, Need and importance of
financial system) 3, 3, 4
Ans.
Significance of
financial system
The term financial system is a
set of inter-related economic activities working together to achieve economic
development. It includes different markets, institutions, instruments, services
and mechanisms that influence the generation of savings, investment, capital
formation and growth. According to Robinson, the primary function of the
Q2. Money market is
one of the type of financial market. Explain the features of money market and
write the constituents of money market.
(Features of money
market, Constituents of money market) 5, 5
Ans.
Features and
constituents of money market:
Money
market covers financial assets which are close substitutes for money and the
money as well.
The
money market performs the following main functions:
·
To
provide a method and system to fulfil the demand and supply of short-term
funds.
·
To
provide a tool to manage the liquidity and interest rate in the economy.
·
To
provide acceptable access to investors and borrowers of short-term funds to
accomplish their borrowing necessities and making investments at an efficient
market
Q3. Write short
notes on:
a) Commercial Banks
b) Cooperative
Banks
c) Post office
(Explanation of
commercial banks, Explanation of cooperative banks, Post office) 3, 4, 3
Ans.
a) Commercial Banks
Commercial
banks are the largest financial intermediaries. The intermediation is the
process of linking savers as well as investors and those who make use of funds
for developing their business. Banking institutions in India have played a
predominant role in augmenting savings from the public and helping the economy
in channelising the same for
Q4. The business of
commercial banks deals with Liability products and asset products. Explain the
important features of liability products.
(Important features
of liability products and explanation of all) 10
Answer:
Q5. Explain the
Chore committee recommendations and also write about the challenges and issues
of financial reforms.
(Chore committee
recommendations, Challenges and issues of financial reforms) 5, 5
Answer:
Chore Committee Recommendations:
The quality of lending improved
considerably but the cash credit system continued to pose few difficulties.
Bifurcation of working capital limit in two parts as demand loan and a
fluctuating cash credit component, as suggested by Tandon Group, was not done
by many banks. It was, therefore, considered necessary by Reserve Bank to
review the system of cash credit in all its aspects and for this purpose a
'Working Group' headed by Sh. K. B. Chore was appointed in 1979. The terms of
reference to the
Q6. Explain
the perspectives in retail banking and perspectives in Regulation.
(Explanation of
perspectives in retail banking, Explanation of perspectives in regulation) 5, 5
Ans.
Perspectives in
retail banking:
The
growth is very hard to find as the revenue of the business is always under
intense pressure and due to the increasing cost in every business. The
following four forces are proving this point:
·
There
is more unemployment problem due to
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