2020
|
Question
[CLICK ON ANY CHOICE TO KNOW THE RIGHT ANSWER]
|
|
|
Co-depositing model
|
|
|
Co-creating model
|
|
|
Co-debt model
|
|
|
Co-lending model
|
Detailed explanation-1: -Co-origination, also known as co-lending, is a setup where banks and non-banks enter into an arrangement for the joint contribution of credit for priority sector lending.
Detailed explanation-2: -The future of co-lending in India In order to support the MSMEs, the RBI will continue to amend the regulations in response to the needs of different stakeholders. The co-lending market could reach a total volume of roughly Rs 25–30 thousand crores in 2022-2023; the potential for expansion from here is quite high.
Detailed explanation-3: -Prompt Corrective Action (PCA)is a framework introduced by the Reserve Bank of India in 2022. The Prompt Corrective Action framework is a structured early-intervention mechanism for banks with weak financial records due to loss of profitability or poor asset quality.
Detailed explanation-4: -“Co-Lending Model” (CLM) helps the borrower get loans at a very affordable and competitive rate. Can banks lend to NBFCs? Yes, banks can provide credit to NBFCs for the purpose of on-lending to certain priority sectors.