McqMate
These multiple-choice questions (MCQs) are designed to enhance your knowledge and understanding in the following areas: Bachelor of Commerce (B Com) .
Chapters
| 1. |
Which one of the following is the ratio of the loan principal to the appraised value? |
| A. | Combined Loan To Value: (CLTV) ratio |
| B. | Loan-to-Value Ratio |
| C. | Mortgage Loan |
| D. | Statutory Liquidity Ratio |
| Answer» B. Loan-to-Value Ratio | |
| 2. |
What is the product of the share price and number of the company's outstanding ordinary shares? |
| A. | Market Capitalization |
| B. | Market Price |
| C. | Market Trend |
| D. | Treasury Stock |
| Answer» A. Market Capitalization | |
| 3. |
Which one of the following pools money from various investors in order to purchase securities? |
| A. | Fund derivative |
| B. | Money fund |
| C. | Mutual fund |
| D. | Pension fund |
| Answer» C. Mutual fund | |
| 4. |
Which one of the following is the rate at which the RBI lends money to commercial banks in the event of any shortfall of funds? |
| A. | Benchmark Prime Lending Rate |
| B. | Annual Percentage Rate |
| C. | Bank Rate |
| D. | Repo Rate |
| Answer» D. Repo Rate | |
| 5. |
When financial institutions and banks undertake activities related to banking like investment, issue of debit and credit card etc then it is known as _____________________. |
| A. | Internet banking |
| B. | Universal banking |
| C. | Virtual Banking |
| D. | Wholesale banking |
| Answer» B. Universal banking | |
| 6. |
Collateral securities can be _____? |
| A. | Tangible |
| B. | Intangible in the shape of personal guarantee of a third party |
| C. | security given to get credit facilities/loan |
| D. | All of the above |
| Answer» D. All of the above | |
| 7. |
The Short-Term Crop Loan given to Farmers are generally for a period of _____? |
| A. | 3 months |
| B. | 6 months |
| C. | 9 months |
| D. | 12 months |
| Answer» D. 12 months | |
| 8. |
Which of the following is a borrowing facility/loan advance _____? |
| A. | Term finance |
| B. | Performance guarantee |
| C. | Bill received under letter of credit |
| D. | All the above |
| Answer» A. Term finance | |
| 9. |
Pledge of advance is made against ______? |
| A. | Gold |
| B. | Commodities |
| C. | Coins and notes |
| D. | All the above |
| Answer» B. Commodities | |
| 10. |
Which of the following are covered under pledge? |
| A. | Actual delivery of the goods |
| B. | Factory type pledge |
| C. | Constructive delivery of the goods |
| D. | All the above |
| Answer» D. All the above | |
| 11. |
What is the minimum period of medium and long-term loans? |
| A. | 12 months |
| B. | 18 months |
| C. | 24 months |
| D. | 36 months |
| Answer» B. 18 months | |
| 12. |
The most risky charge from a banker’s point of view is ______? |
| A. | Pledge |
| B. | Hypothecation |
| C. | Mortgage |
| D. | Lien |
| Answer» B. Hypothecation | |
| 13. |
An equitable mortgage can be created in respect of _______? |
| A. | Government securities |
| B. | Real estate |
| C. | Wheat in a godown |
| D. | Life Policies |
| Answer» B. Real estate | |
| 14. |
A charge where there is neither the transfer of ownership nor the possession is called ______? |
| A. | Hypothecation |
| B. | Lien |
| C. | Pledge |
| D. | Mortgage |
| Answer» A. Hypothecation | |
| 15. |
The liability of the mortgager is gradually reduced in the case of _______? |
| A. | Equitable mortgage |
| B. | Legal mortgage |
| C. | Usufructuary mortgage |
| D. | Conditional mortgage |
| Answer» C. Usufructuary mortgage | |
| 16. |
These days Banks are offering Loans against Property? Under which business segment, this activity may be categorized? |
| A. | Corporate Banking |
| B. | Personal Banking |
| C. | Merchant Banking |
| D. | Portfolio Management services |
| Answer» D. Portfolio Management services | |
| 17. |
What do we mean by “ECB” in financial terms? |
| A. | Essential Commercial Borrowings |
| B. | Essential Credit & Borrowings |
| C. | External Credit & Business |
| D. | External Commercial Borrowings |
| Answer» D. External Commercial Borrowings | |
| 18. |
Which of the following is a document of the title to the goods? |
| A. | Bill of entry |
| B. | Letter of credit |
| C. | Bill of lading |
| D. | Certificate of origin |
| Answer» C. Bill of lading | |
| 19. |
What is an impersonal Collateral security? |
| A. | Security in the shape of intangible. |
| B. | Collateral security given by third party. |
| C. | Guarantee provided for securing the death. |
| D. | Collateral security given by the borrower but in the shape of goodwill and trademark. |
| Answer» B. Collateral security given by third party. | |
| 20. |
Unstamped document cannot be rectified in case of……….. |
| A. | Mortgage deed |
| B. | Sale deed |
| C. | partition deed |
| D. | none of the above |
| Answer» D. none of the above | |
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