DMPQ-What are the risk associated by peer to peer lending?

P2P lending is the popular type of crowd funding, whereby an internet platform collects small amounts of funds from individuals in a crowd to finance collectively a larger loan to individuals or businesses. Websites that facilitate peer-to-peer lending have greatly increased its adoption as an alternative method of financing.P2P lending is also known as social … Read more

DMPQ- Write a short note on SDG India Index.

While countries around the world have been considering how to implement and measure success against the Goals, NITI Aayog has taken the lead by bringing out the SDG India Index – Baseline Report 2018, and showing how SDGs will be measured in India. NITI Aayog has constructed the SDG India Index spanning across 13 out … Read more

DMPQ-Write down the difference between NBFC and Schedule commercial bank.

A Non-Banking Financial Company (NBFC) is a company registered under the Companies Act, 1956 engaged in the business of loans and advances, acquisition of shares/stocks/bonds/debentures/securities issued by Government or local authority or other marketable securities of a like nature, leasing, hire-purchase, insurance business, chit business but does not include any institution whose principal business is … Read more

DMPQ- What do you mean by fiscal consolidation? What are the ways to achieve fiscal consolidation.

Fiscal Consolidation refers to the policies undertaken by Governments (national and sub-national levels) to reduce their deficits and accumulation of debt stock. Fiscal Consolidation refers to the treatment of a group of entities as one entity for taxation purposes. Simply put, the parent entity would be accountable for the entire group’s tax liabilities. Thus in simple … Read more

DMPQ- Write a short note on Shadow banking? What are the issues associated with shadow banking?

The term refers to the practice of banking like activities performed by non-banking finance companies, which are not subject to strict regulation. However, these institutions function as intermediaries between the investors and the borrowers, providing credit and generating liquidity in the system. Although these entities do not accept traditional demand deposits offered by banks, they … Read more

DMPQ- What do you mean by revenue budget and capital budget? Explain the components of the respective meanings also.

The Revenue Budget comprises revenue receipts and expenditure met from these revenues. The revenue receipts include both tax revenue (like income tax, excise duty) and non-tax revenue (like interest receipts, profits). Capital Budget consists of capital receipts {like borrowing, disinvestment) and long period capital expenditure (creation of assets, investment). Capital receipts are receipts of the … Read more

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