‘कोर बैंकिंग समाधान (Core Banking Solutions)’ पद कभी-कभी समाचारों में देखा जाता है। निम्नलिखित कथनों में से कौन-सा/से इस पद का सही वर्णन करता है/करते हैं?
- 1.यह बैंक की शाखाओं का वह तंत्र है जो उपभोक्ताओं को अपने खातों का संचालन बैंक की किसी भी शाखा से कर सकने की सुविधा देता है चाहे उन्होंने अपना खाता कहीं भी खोल रखा हो।
- 2.यह व्यावसायिक बैंकों पर कम्प्यूटरीकरण के माध्यम से RBI का नियंत्रण बढ़ाने का एक प्रयास है।
- 3.यह एक विस्तृत प्रक्रिया है जिसके द्वारा विशाल अनर्जक (नॉन-परफॉर्मिंग) परिसम्पत्ति वाले बैंक का अधिग्रहण दूसरे बैंक द्वारा कर लिया जाता है।
नीचे दिए गए कूट का प्रयोग कर सही उत्तर चुनिए।
Read this question in English
The term 'Core Banking Solutions' is sometimes seen in the news. Which of the following statements best describes/describe this term?
1. It is a networking of a bank's branches which enables customers to operate their accounts from any branch of the bank on its network regardless of where they open their accounts.
2. It is an effort to increase RBI's control over commercial banks through computerization.
3. It is a detailed procedure by which a bank with huge non-performing assets is taken over by another bank.
Select the correct answer using the code given below.
(a) 1 only · (b) 2 and 3 only · (c) 1 and 3 only · (d) 1, 2 and 3
उत्तर और व्याख्या · explanation in English
Answer: (a) केवल 1
Core Banking Solutions (CBS) is a bank's centralised IT platform: all branches work on one common database, so an account-holder is a customer of the whole bank and can transact at any networked branch, not only the one where the account was opened. It is neither an RBI control device nor a merger procedure.
- ✓ 1. This is what CBS does; the RBI expects banks on CBS to serve their customers uniformly at every branch and not to penalise transactions at 'non-home' branches.
- ✗ 2. CBS is each bank's own operating platform for serving customers; RBI's supervisory powers come from the Banking Regulation Act, 1949, not from branch networking.
- ✗ 3. Rescuing a weak bank by merging it with another is amalgamation (for example, under Section 45 of the Banking Regulation Act); it has nothing to do with CBS.
Remember · Core Banking Solutions: centralised, networked branch operations; the customer belongs to the bank, not the branch, enabling 'anywhere banking', ATMs, internet and mobile banking.
Sources
- RBI: Master Circular on Customer Service in Banks (para 6.6, Uniformity in Intersol Charges) ↗ “With the introduction of Core Banking Solution (CBS), it is expected that customers of banks would be treated uniformly at any sales or service delivery point. … Banks are advised to follow a uniform, fair and transparent pricing policy and not discriminate between their customers at home branch and non-home branches.”
Question and answer: UPSC's official GS Paper I (2016, Series A) — paper ↗ · answer key ↗. Explanation: Minimalist IAS, checked 30 Sept 2026 (how we verify). ·