BBA/ B.Com FINANCIAL INSTUTION AND MARKET Dec 2024

Description

Financial Institutions & Markets

December 2024 Examination

 

 

1. Shashak has recently been recruited as a Wealth Advisor at a prominent commercial bank in India. His role involves advising clients on various financial instruments. As a financial advisor he should emphasise on diversification of their portfolio and advising them any three instrument each from capital and money market so that the client build a substantial corpus for their future needs. (10 Marks)

Ans 1.

Introduction
Financial planning is crucial for building a secure financial future, and wealth advisors play a pivotal role in guiding clients toward achieving their goals. Shashak, as a newly appointed Wealth Advisor at a commercial bank, is tasked with advising clients on portfolio diversification and selecting suitable financial instruments from capital and money markets. Diversification helps reduce risks by spreading investments across various asset classes, ensuring a balanced portfolio that can withstand market volatility. The focus is on helping clients build a substantial corpus for future needs, such as retirement, education, or other long-term objectives. By recommending an appropriate mix of instruments, Shashak can align clients’ investment strategies with their

 

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2. Deeksha Upadhaya, a recent post-graduate in Insurance, has just started her career as an insurance agent at the Insurance Regulatory and Development Authority (IRDA). On her first day, her manager has tasked her to prepare a comprehensive report on the functions and role of the IRDA. Help Deeksha to prepare her report on the same. (10 Marks)

Ans 2.

Introduction
The Insurance Regulatory and Development Authority of India (IRDAI) plays a pivotal role in regulating and promoting the insurance industry in India. Established under the IRDA Act of 1999, its primary aim is to ensure the protection of policyholders’ interests and foster the growth of a robust insurance sector. IRDAI functions as an independent statutory body overseeing both life and general insurance businesses while maintaining industry standards and transparency. As Deeksha embarks on her journey as an insurance agent, understanding the functions and role of the IRDAI is essential for delivering efficient services and instilling trust among clients. This report provides a detailed overview of IRDAI’s objectives, roles, and responsibilities in regulating and

 

 

3. “In 2008 the world economy faced its most dangerous Crisis since the Great Depression of the 1930s and brought back to light the role of state intervention in regulating regulatory market”.

 

1. In regard to the above statement discuss some of the reasons for state intervention in regulation of the financial market? (5 Marks)

Ans 3a.

Introduction
The global financial crisis of 2008 exposed severe flaws in the unregulated operations of financial markets, highlighting the need for state intervention. Market failures, unchecked speculation, and systemic risks led to a collapse that demanded government involvement to stabilize economies. State intervention in financial markets ensures economic stability, protects public interest, and mitigates market inefficiencies. This discussion explores the reasons for such interventions, emphasizing their importance

 

1. Highlight the benefits of state intervention wrt Indian Context. (5 Marks)

Ans 3b.

Introduction
State intervention in financial markets has played a vital role in shaping India’s economic growth and stability. Through regulatory oversight, infrastructure development, and welfare-oriented policies, the government ensures a balanced financial ecosystem that benefits all stakeholders. In India, interventions by institutions like the Reserve Bank of India (RBI) and the Securities and