Question

Difficulty: MediumMoney Market: Institutions and Instruments

Match each money market participant or instrument with its defining operational function.

  • Treasury BillsShort-term debt instruments issued by government monetary authorities to finance public expenditure deficits.
  • Commercial PapersUnsecured short-term promissory notes issued by reputable corporate firms to raise working capital.
  • Certificates of DepositNegotiable receipts issued by commercial banks certifying a specified sum deposited for a fixed period.
  • Discount HousesSpecialized financial intermediaries that promote liquidity by purchasing and discounting short-term commercial bills.

Answer

Treasury Bills match with government short-term debt instruments; Commercial Papers match with unsecured short-term corporate promissory notes; Certificates of Deposit match with negotiable bank deposit receipts; Discount Houses match with specialized intermediaries that discount short-term bills.
Each money market entity fulfills a specific short-term credit or liquidity function: Treasury Bills represent government short-term debt, Commercial Papers represent short-term corporate debt, Certificates of Deposit represent negotiable bank deposit receipts, and Discount Houses provide specialized rediscounting services.

Step-by-Step Solution

1
Analyze Treasury Bills
Treasury Bills are short-term government borrowing instruments managed by monetary authorities.
Governments use Treasury Bills to finance short-term liquidity deficits and regulate money supply.
2
Analyze Commercial Papers
Commercial Papers are unsecured short-term promissory notes issued by creditworthy non-bank corporations.
Firms issue them directly in the money market to fund operational working capital without pledging collateral.
3
Analyze Certificates of Deposit
Certificates of Deposit are short-term negotiable debt receipts issued by commercial banks for fixed-term deposits.
They serve as liquid assets that holders can trade in the secondary money market before maturity.
4
Analyze Discount Houses
Discount Houses are non-bank financial intermediaries specializing in rediscounting eligible short-term paper.
They provide liquidity to commercial banks and bridge money market trading with the Central Bank.

Key Concept

Money Market Instruments and Institutions
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