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Differentiate between quantitative and qualitative methods of credit control.

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Questions

Differentiate between quantitative and qualitative methods of credit control.

Distinguish between qualitative and quantitative measures of credit control policy of a central bank.

Distinguish between quantitative and qualitative credit control instruments of the central bank.

State any two differences between quantitative and qualitative credit control policies.

Distinguish between qualitative and quantitative measures of credit control.

Distinguish Between
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Solution

S. No. Basis Quantitative Methods Qualitative Methods
1. Nature These methods influence the total volume of credit. These methods influence the selective or particular use of credit.
2. Effect These methods affect the lenders. These methods affect both the lenders and the borrowers.
3. Nature These methods are non-discriminatory in nature. These are discriminatory in nature.
4. Direct/Indirect These are indirect and impersonal. These are direct.
5. Alternative name These methods are also called general methods of credit control. These are also called selective methods of credit control.
6. Methods

These methods include:

  1. Bank Rate
    Open Market Operations
    Legal Reserve Requirements
    • Cash Reserve Ratio
    • Statutory Liquidity Ratio

These methods include:

  1. Consumer’s Credit
  2. Margin Requirements
  3. Rationing of Credit
  4. Moral Suasion
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Notes

Students should refer to the answer according to their questions.

Monetary Policy of the Central Bank
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Chapter 14: Banks: Commercial Bank and Central Bank - TEST YOURSELF QUESTIONS [Page 274]

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