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Econ:Banking > banking latest > Flashcards

banking latest Flashcards

1
Q

What are the three tiers of cooperative societies?

A

State, district/Central, pacs

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2
Q

What are the input and output of the cooperative system?

A

qwe

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3
Q

Why lending rates are lower in cooperative societies?

A

Idea is that members form hence no profit motive(just helping out members with loans)—>lower rates

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4
Q

Which states have had more cooperative societies and why?

A

Maharashtra, Gujarat, Tamil Nadu, Andhra Pradesh… They have cooperative spirit

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5
Q

Immediate regulator of cooperative societies?

A

Nabard+ state registrar of cooperative societies

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6
Q

Overall regulator of cooperative societies

A

RBI

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7
Q

Explain the internal classification of cooperative societies?

A

qwe

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8
Q

Who was the precursor to nbfis?

A

Dfi

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9
Q

When dfis were formed?

A

1948-1964

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10
Q

Why dfis were formed

A

qwe

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11
Q

Which dfis were formed between 1948-1964

A
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12
Q

What happened to the dfis eventually?

A

qwe

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13
Q

Where do nbfis get money from?

A

Goi grants + loans(from banks/RBI/goi)

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14
Q

General classification of nbfi

A

qwe

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15
Q

Explain exim 2 points

A

Exim act 82 100 percent goi

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16
Q

What is nabard regulator of?

A

RRB+ cooperative

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17
Q

Explain nabard role as lender?

A

Indirect lender to RRB, cooperatives

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18
Q

Which is the fund that nabard manages?

A

Rural infrastructure development fund

19
Q

Ownership of national housing Bank?

A

100 percent goi

20
Q

What nhb does?

A

Refinance for housing finance companies

21
Q

Does nhb regulate housing finance companies. Why?

A

No. That’s done by RBI to avoid conflict of interest

22
Q

Mention the year of founding of the 4 aifis?

A

Exim 82, Nabard 82, nhb 88, sidbi 90

23
Q

What sedf does?

A

Indirect lending to mses via mudra, stand up India

24
Q

Portal by sidbi for small industries

A

Udyamimitra

25
Q

Who formed sidbi?

A

SBI,LiC, IDBI, other PSB and insurance companies

26
Q

What are the 2 differences between aifi and banks. One flowing from other?

A

qwe

27
Q

Who regulates aifi. What norms?

A

Rbi+ basel

28
Q

What is a primary dealer. Who can be a primary dealer? Where it gets license from?

A

qwe

29
Q

Difference between commercial banks and nbfcs wrt registration, supervision, entry capital, deposits, crr, slr, Basel 3

A

qwe

30
Q

Commercial Bank and nbfc difference?. Wrt investment, loan rate, recovery

A
  • Commercial banks cannot invest in share market per se, NBFCs can
  • Loan rate in commercial banks is regulated as per MCLR, LTV. In NBFCs it is regulated depending on nature of biz
  • SARFAESI is available for all banks. But it is only for Housing finance companies

NBFCs classified based on regulator

31
Q

5 regulatory agencies related to nbfc?

A

RBI, irdai, pfrda, sebi, ministry of corporate affairs

32
Q

Who controls microfinance companies

A

Moca+rbi

33
Q

Who controls Nidhi and chit fund?

A

Moca

34
Q

What is the need for mudra

A

qwe

35
Q

What is the structure of mudra

A

Nbfc-nd subsidiary of sidbi

36
Q

What are the functions of mudra?

A

qwe

37
Q

Where funds come from to mudra, where it goes?

A

qwe

38
Q

What if a mudra loan becomes npa

A

qwe

39
Q

What is mudra card?

A

It is like an ATM card for withdrawing loan money

40
Q

Which ministry operates the stand up India scheme?

A

Finance Ministry

41
Q

What is the obligation for each scb branch under the stand up India scheme

A

wqe

42
Q

In stand up India scheme, if loans do not have credit guarantee then who gives guarantee

A

National credit guarantee trust corporation of India

43
Q

Explain 59 minutes loan portal. 1) who has launched the portal 2) what does it do? 3) how much is the typically sanctioned loan amount 4) is a collateral needed? 5) what is automated? 6) what is the fees?

A

qwe

Econ:Banking (4 decks)

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