APSC Mains 2024 Notes
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Agricultural Credit Policy Rural indebtedness is an age-old problem in India. In the nineteenth century, commercial banking was non-existent in rural areas, and farmers were completely in the hands of usurious moneylenders. Starting from the days of British rule, the central government has been striving to expand institutional lending to the rural agricultural … Read more Agricultural Credit Policy
Agricultural Credit Policy Rural indebtedness is an age-old problem in India. In the nineteenth century, commercial banking was non-existent in rural areas, and farmers were completely in the hands of usurious moneylenders. Starting from the days of British rule, the central government has been striving to expand institutional lending to the rural agricultural … Read more Agricultural Credit Policy
Possible solutions are: Expand the outreach of the formal credit system to reach the really poor and needy. Reduce rate of interest for crop loans to 4 per cent simple, with government support. Moratorium on debt recovery, including loans from non-institutional sources, and waiver of interest on loans in distress hotspots and during calamities, till … Read more DMPQ: Give possible suggestions for credit enhancement for farmers.
A sovereign credit rating is the credit rating of a sovereign entity, such as a national government. The sovereign credit rating indicates the risk level of the investing environment of a country and is used by investors when looking to invest in particular jurisdictions, and also takes into account political risk. The “country risk rankings” … Read more DMPQ- Explain Sovereign credit ratings
It is an information repositorythat collates all loan information of individuals andcorporate borrowers. A credit repository helps banks distinguish between a bad and a good borrower andaccordingly offer attractive interest rates to good borrowers and higher interest rates to badborrowers. The move is based on the recommendations of a committee, headed by Y.M.Deosthalee.PCR will address … Read more DMPQ: What are the uses of Public credit registry?(Economics)
International Credit Ratings A credit rating is an evaluation of the credit risk of a prospective debtor (an individual, a business, company or a government), predicting their ability to pay back the debt, and an implicit forecast of the likelihood of the debtor defaulting. The credit rating represents an evaluation of a credit … Read more International Credit Ratings
A credit rating agency (CRA, also called a ratings service) is a company that assigns credit ratings, which rate a debtor’s ability to pay back debt by making timely principal and interest payments and the likelihood of default. An agency may rate the creditworthiness of issuers of debt obligations, of debt instruments, and in some … Read more DMPQ: In recent years role of credit agencies are under scanner. Comment.