उपर्युक्त परिच्छेद के अनुसार, निम्नलिखित कथनों में से कौन-सा सर्वाधिक तर्कसंगत, विवेकपूर्ण और व्यावहारिक सुझाव को बेहतर दर्शाता है ?
Read this question in English
Which one of the following statements best reflects the most logical, rational and practical suggestion implied by the passage given above?
(a) Lending by the banks should be closely monitored and regulated by the Central Government. · (b) Interest rates should be kept low so as to induce banks to lend more, promote credit growth and thereby boost economic activity. · (c) Merger of many banks into a few large banks alone is the long-term solution to make them viable and prevent their bad performance. · (d) Indian banking system requires structural reforms as a long-term solution for bad loans problem.
उत्तर और व्याख्या · explanation in English
Answer: (d) अशोध्य ऋण की समस्या के दीर्घकालिक समाधान के रूप में, भारतीय बैंकिंग प्रणाली में संरचनात्मक सुधार आवश्यक हैं ।
Bad-debt resolution and recapitalisation help, but the passage calls them only part of the solution: unless systemic reforms tackle unsustainable lending, future credit cycles will stress the banks again. The suggestion is structural reform as the long-term remedy.
- ✗ (a) Close monitoring by the Central Government is one possible reform, but the passage names no agency or method — this is too specific.
- ✗ (b) The passage worries about reckless lending; pushing banks to lend more through low rates works against that concern.
- ✗ (c) Mergers are never mentioned, and 'alone is the long-term solution' is too absolute.
- ✓ (d) 'Unless there are systemic reforms that address the problem of unsustainable lending, future credit cycles will continue to stress the banking system.'
Remember · When a passage ends 'unless X, the problem continues', X is the suggestion — pick the option that restates it without adding specifics.
Question and answer: UPSC's official GS Paper II (2021, Series A) — paper ↗ · answer key ↗. Explanation: Minimalist IAS, checked 30 Sept 2026 (how we verify). ·