Question

Difficulty: MediumThe Money Market: Operations and Financial Instruments

Match each money market instrument on the left with its primary issuing institution or operational mechanism on the right.

  • Treasury BillsShort-term debt instruments issued by the Central Bank on behalf of the government to raise short-term funds.
  • Certificate of DepositNegotiable short-term receipts issued by commercial banks acknowledging a specified sum deposited for a fixed period.
  • Bankers' AcceptanceTime drafts drawn on and accepted by a commercial bank to guarantee payment in international trade operations.
  • Commercial PaperUnsecured short-term promissory notes issued by creditworthy corporate bodies to meet immediate working capital needs.

Answer

Treasury Bills match short-term debt instruments issued by the Central Bank on behalf of the government; Certificate of Deposit matches negotiable short-term receipts issued by commercial banks acknowledging a specified sum deposited; Bankers' Acceptance matches time drafts drawn on and accepted by a commercial bank to guarantee trade payment; Commercial Paper matches unsecured short-term promissory notes issued by creditworthy corporate bodies.
Treasury Bills represent government short-term debt issued by central banks; Certificates of Deposit are bank-issued interest-bearing deposit documents; Bankers' Acceptances provide commercial bank guarantees on international trade bills; Commercial Papers are short-term debt notes issued by financially solid corporations.

Step-by-Step Solution

1
Analyze the issuing source and functional role of each money market instrument.
Treasury Bills are government obligations issued via the Central Bank. Certificates of Deposit originate from commercial banks for deposits. Bankers' Acceptances are trade financing drafts guaranteed by banks. Commercial Papers are corporate unsecured liabilities.
Distinguishing between public, bank-issued, corporate, and trade-related short-term credit instruments enables precise matching.
2
Match each instrument to its specific operational definition.
Treasury Bills -> Central Bank government borrowing; Certificate of Deposit -> Commercial bank deposit receipt; Bankers' Acceptance -> Bank-accepted draft for international trade; Commercial Paper -> Corporate unsecured promissory note.
Aligns each term with its primary institutional issuer and purpose.

Key Concept

Distinction and operations of money market instruments
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