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In the last 14 years, four times, UPSC asked MCQ/PYQs on loan related terms e.g. syndicated lending, non-financial debt, teaser loans, Interest Coverage Ratio etc. Let's study this topics from Dr. Mrunal Patel (‪@TheMrunalPatel‬ ) , and solve these questions.

Timestamps
00:00 PR Toolkit of Delhi Coaching Mafia
00:35 Is UPSC Testing IQ nahi EQ?
01:58 Free download Topicwise PYQs
02:15 7-Day all paid courses unlocked free
02:37 syndicated lending
03:27 Lump sum loan versus credit line
05:27 Non-financial Debt vs Financial Debt
08:03 how to download Mrunal Economy handout PCB12
09:09 Interest Coverage Ratio (IC1)
09:53 Graph showing NPA decline in Banks
11:40 Why read English instead of Hindi McQ?
12:37 Teaser Loans
13:34 subprime crisis of USA
14:18 Why would people take teaser loans?
15:26 Target audience of Teaser loans
17:37 conclusion

Loan MCQs
MCQ. Consider the following statements: (Pre’24-set-C-Q42)
StI: Syndicated lending spreads the risk of borrower default across multiple lenders.
StII: The syndicated loan can be a fixed amount/lump sum of funds, but cannot be a credit line.
Codes: (a) Both I & II are correct & II is the correct explanation for 1
(b) Both I & II are correct & II is not the correct explanation for 1
(c) I is correct but II is wrong (d) I is wrong but II is correct

In Indian economy, non-financial debt includes ___ ? (Prelims-2020 SetB- Q84)
(1) Housing loans owed by households (2) Amounts outstanding on credit cards (3) Treasury bills
Codes: [a) 1 only [b) 1 and 2 only [c) 3 only [d) 1, 2 and 3

MCQ. What is the importance of “Interest Coverage Ratio” of a firm in India? (Prelims-2020)
1. It helps in understanding the present risk of a firm that a bank is going to give a loan to.
2. It helps in evaluating the emerging risk of a firm that a bank is going to give a loan to.
3. The higher a borrowing firm’s level of ICR, the worse is its ability to service its debt.
Answer Code: (a) 1 and 2 only (b) 2 only (c) 1 and 3 only (d) 1, 2 and 3

MCQ. Why is the offering of "teaser loans" by commercial banks a cause of economic concern? (Pre-2011)
1. The teaser loans are considered to be an aspect of sub-prime lending and banks may be exposed to the risk of defaulters in future.
2. In India, the teaser loans are mostly given to inexperienced entrepreneurs to set up manufacturing or export units. (बिनअनुभवी नौसीखिए उद्यमियों को विनिर्माण और निर्यात इकाइयों बनाने के लिए टीजर लोन दिए जाते हैं)
Codes: (a) 1 only (b) 2 only (c) Both 1 and 2 (d) Neither 1 or 2
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