Du Sol 6th SEM Banking And Insurance Important Questions
DU Sol 6th SEM Banking And Insurance Important Questions , The Reserve Bank of India (RBI) was
established under the Reserve Bank of India Act, 1934, serving as the central
bank of India. Its primary objectives include regulating the issuance and
supply of the Indian rupee and managing the country's main payment systems.
The RBI uses various tools of
monetary control, such as repo rates, reverse repo rates, and cash reserve
ratio (CRR) to maintain financial stability. The Banking Regulation Act, 1949,
further empowers the RBI to regulate the banking sector, including setting up
new banks, issuing directions, and overseeing interest rates.
The New Bank Licensing Policy of 2013 aims to
promote a more competitive banking environment. Additionally, the RBI plays a
crucial role in regulating payment systems, ensuring the smooth operation of
financial transactions across the country. DU Sol 6th SEM Banking And Insurance Important Questions
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UNIT–I: Central Bank of India and its Function
The Reserve Bank of India Act 1934;
The Banking Regulation Act, 1949; Setting up of a new bank, Branch licensing,
Branch authorization policy for commercial banks and New Bank Licensing Policy,
2013. Objectives and Functions of RBI; Tools of Monetary Control; Regulatory
Restrictions on Lending, Power of RBI to Issue Directions, Regulation of
Interest Rate; Regulation of Payment Systems.
Unit—II: Non Performing Assets & Regulation
Banking sector reforms and NPAs,
Importance of banking reforms, NPAs assets classification, NPAs accounts,
management of NPAs. Internet Banking Guidelines; Regulation of Money Market
Instruments; Banking Ombudsman; Reserve Funds; Maintenance of CRR, SLR; Assets
in India.
Unit—III: Insurance Act and Guidelines
The Insurance Act, 1938 – Insurance
Regulatory and Development Act, 1999 – Life Insurance Corporation Act, 1956 –
General Insurance Business (Nationalization) Act, 1972. Insurance Law-need.
Indian Insurance Industry, The Insurance Regulatory and Development Authority
Act, 1999 (as amended). The Regulatory Body-IRDA- functions, powers, and role.
Selfregulation by insurers. DU Sol 6th SEM Banking And Insurance Important Questions
Unit—IV: Insurance and its Grievance Redressal System
Regulation- regarding registration
of insurers, need for capital in insurance-capital adequacy, and solvency
requirements. Risk based capital for insurers. Regulation concerning investment
of funds and protection of policyholders’ interest. Redressal of grievance.
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Du Sol 6th SEM Banking
And Insurance Important Questions Chapterwise
Unit
I: Central Bank of India and its Function
- What is the main purpose of the Reserve Bank of India Act of 1934?
- How does the Banking Regulation Act of 1949 impact the banking sector?
- What are the key steps involved in setting up a new bank in India?
- Explain the branch licensing policy for commercial banks.
- What is the New Bank Licensing Policy of 2013 and its objectives?
- List the primary objectives of the Reserve Bank of India (RBI).
- Describe the main functions of the RBI.
- What tools does the RBI use for monetary control?
- Explain the regulatory restrictions on lending imposed by the RBI.
- How does the RBI exercise its power to issue directions to banks?
- Discuss the regulation of interest rates by the RBI.
- How does the RBI regulate payment systems in India?
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Unit
II: Non-Performing Assets & Regulation
- What are Non-Performing Assets (NPAs) and why are they significant for banks?
- How have banking sector reforms addressed the issue of NPAs?
- Describe the process of NPA asset classification.
- What are the different types of NPA accounts?
- How should banks manage NPAs effectively?
- Outline the Internet Banking Guidelines in India.
- What regulations govern money market instruments in India?
- What is the role of the Banking Ombudsman in the Indian banking system?
- Explain the importance of maintaining Cash Reserve Ratio (CRR) and Statutory Liquidity Ratio (SLR).
- What are the key requirements for maintaining assets in India according to the regulatory framework?
Unit
III: Insurance Act and Guidelines
- Summarize the key provisions of the Insurance Act of 1938.
- What was the significance of the Insurance Regulatory and Development Act of 1999?
- Describe the main objectives of the Life Insurance Corporation Act of 1956.
- What was the impact of the General Insurance Business (Nationalization) Act of 1972 on the insurance sector?
- Why is insurance law necessary in India?
- Provide an overview of the Indian insurance industry.
- What are the functions and powers of the Insurance Regulatory and Development Authority (IRDA)?
- Explain the concept of self-regulation by insurers.
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Unit
IV: Insurance and its Grievance Redressal System
- What are the regulations concerning the registration of insurers?
- Why is capital adequacy important for insurers?
- Discuss the solvency requirements for insurance companies.
- What is meant by risk-based capital for insurers?
- How are regulations regarding the investment of funds formulated?
- What measures are in place to protect policyholders' interests?
- Describe the grievance redressal system in the insurance sector.
- How does the IRDA ensure compliance with capital adequacy and solvency requirements?
- Explain the importance of capital adequacy in maintaining the financial stability of insurance companies.
- What are the regulatory requirements for maintaining solvency in the insurance industry?
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