banking, security market & insurance section 4 MCQ Questions & Answers Detailed Explanation
MOST IMPORTANT indian economy mcq - 5 EXERCISES
The following question based on Banking, Security Market & Insurance topic of indian economy mcq
(a) Slow down in the economy
(b) Double dip recession
(c) Hyperinflation
(d) Liquidity trap
The correct answers to the above question in:
Answer: (d)
A liquidity trap is a situation in which injections of cash into the private banking system by a central bank fail to lower interest rates and hence fail to stimulate economic growth.
A liquidity trap is caused when people hoard cash because they expect interest to rise in future, an adverse event such as deflation, insufficient aggregate demand, or war.
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Question : 1
SLR can be defined as—
a) $SLR = \text"ER + IS - CAB"/\text"L"$
b) $SLR = \text"ER + IS - CAB"/\text"L"$
c) $SLR = \text"ER + I - CB"/\text"L"$
d) $SLR = \text"L + CB - ER"/\text"IS"$
Answer »Answer: (a)
The ratio of liquid assets to net demand and time liability is called statutory Liquidity Ratio (SLR).
SLR Rate = $\text"Liquid Assets"/\text"Demand + Time Liabilities"$× 100
Question : 2
The financial instrument, through which Indian companies can raise money from overseas market in Rupees, is known as
a) Overseas Bonds
b) Gold Bonds
c) Masala Bonds
d) RBI Bonds
Answer »Answer: (c)
Question : 3
Currency devaluation done by the government leads to which of the following?
a) No impact on domestic prices
b) Increase in domestic prices
c) Fall in domestic prices
d) Irregular fluctuations in domestic prices.
Answer »Answer: (a)
Devaluation is a deliberate downward adjustment to the value of a country’s currency, relative to another currency, group of currencies. Since it is relative to other currencies so the internal price remains unchanged.
It causes a country’s exports to become less expensive and imports more expensive.
Question : 4
Bank deposits are insured by DICGS for a maximum amount of .................. per depositor per bank.
a) Rs.2,00,000
b) Rs.5,00,000
c) No limit
d) Rs.1,00,000
Answer »Answer: (d)
Each depositor in a bank is insured up to a maximum of Rs.1,00,000 (Rupees One Lakh) for both principal and interest amount held by him in the same capacity and same right as on the date on liquidation/ cancellation of bank’s licence or the date on which the scheme of amalgamation/merger/ reconstruction comes into force.
Question : 5
Which of the following terms is not a financial term?
a) RTGS
b) Core banking solution
c) Investment
d) All the above
Answer »Answer: (d)
All the above given terms are not a financial term. RTGS (Real Time Gross Settlement) is fund transfer system, core banking solutions like treasury and investment are all processes not financial term.
Question : 6
The share of the concerned State Government in the capital of Regional Rural Banks is
a) 20 per cent
b) 35 per cent
c) 15 per cent
d) 50 per cent
Answer »Answer: (c)
In the regional rural banks, 50% share shall be held by the central government, 15% by the concerned state government and 35% by the sponsor bank.
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