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MA0043
Winter
2015
1 How does a
commercial bank assess the working need of their corporate clients? Explain the
RBI guidelines to finance working capital.
Assessment of working capital need
RBI guidelines for working capital
finance
Answer: Assessment
of Working Capital by Banks
Total
working capital requirements of a firm are affected by number of internal and
external factors in which a firm operates. Before a bank finances the working capital
for a firm, the bank studies all factors involved. The internal factors which may
impact the working capital requirement of individual firms like the
2 What are the
different types of Letters of Credit ?
Different types of Letters of Credit
Answer: Types
of Letters of Credit
Revocable
letter of credit: This may be amended or cancelled without prior warning
or notification to the beneficiary. Such letter of credit will not offer any protection
and should not be accepted as beneficiary of credit.
Irrevocable
letter of credit: This cannot be amended or cancelled without the agreement
of all parties involved. This type of
3 Describe the
different types of post shipment finance offered on export credit scheme?
Different types of post shipment finance
offered on export credit scheme
Answer: Types
of Post Shipment Finance
1.
Export Bills Purchased/ Discounted (DP & DA Bills)
Export
bills (Non L/C Bills) is used in terms of sale contract/ order may be discounted
or purchased by the banks. It is used in indisputable international trade
transactions and the proper limit has to be sanctioned to the exporter for purchase
of export bill facility.
2.
Export Bills Negotiated (Bill under L/C)
The
risk of
4 Illustrate the
financial evaluation of lease finance.
Financial evaluation of lease finance
Answer: Financial
Evaluation of Lease Finance
Some of the basic advantages of acquiring capital
assets on lease are as follows:
(i)
Cash flow planning: A financial lease allows a lessee to plan its cash flows
as the lease rentals are paid out of the cash derived from the utilization of
the leased assets itself.
(ii)
Saving the financial resources: Lease finance is a good source of finance
as the equipment/
5 Differentiate
between Factoring and Forfeiting
Differentiate between Factoring and
Forfeiting
Answer: Difference between Factoring and Forfaiting
|
Factoring
|
Forfeiting
|
|
It
is suitable for financing smaller and short-term receivables with credit period
less than 1 year.
|
It
is for deferred payments (used to finance capital goods’ exports), where
receivables are paid in 5 to 7 years.
|
|
It may be
with or without recourse.
|
It is always
without recourse.
|
|
The exchange
risk lies with the party.
|
The exchange
risk lies with Forfaitor
|
|
The
advance is usually 80 per cent of the factor value.
|
The advance
is 100 per cent.
|
6 Explain
corporate debt re-structuring and revival package.
Corporate debt re-structuring
Revival package
Answer: Corporate Debt
Restructuring (CDR)
For
the revival of the corporate sector facing financial crisis and operational difficulties,
genuine support is very much needed. This is also required in the interest of
banks and financial institutions
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