ফিন্যান্স, ব্যাংকিং ও বিমা ১ম পত্র · অধ্যায় ১ — MCQ ও উত্তর

এইচএসসি প্রস্তুতি · ফিন্যান্স, ব্যাংকিং ও বিমা ১ম পত্র। এই অধ্যায়ে মোট 262টি প্রশ্ন আছে। নিচে প্রথম 10টি প্রশ্ন ও সঠিক উত্তর দেওয়া হলো।

এই অধ্যায়ে সব প্রশ্নে অনুশীলন করুন

1. What is the relationship between risk and return?

   1. Downward
   2. Proportional
   3. Positive
   4. Negative

   সঠিক উত্তর: Positive

   ব্যাখ্যা: In finance, risk and return have a direct or positive relationship; higher risk requires higher potential return.

2. What is the core subject matter of finance?

   1. Labor
   2. Planning
   3. Fund
   4. Production

   সঠিক উত্তর: Fund

   ব্যাখ্যা: Finance primarily deals with the systematic acquisition and management of funds.

3. What is it called when investment is made in multiple profitable projects?

   1. Time Value of Money
   2. Portfolio Principle
   3. Liquidity Principle
   4. Suitability Principle

   সঠিক উত্তর: Portfolio Principle

   ব্যাখ্যা: The Portfolio Principle involves diversifying investments to minimize risk.

4. Which of the following is a source of internal financing?

   1. Industrial Bank
   2. Commercial Bank
   3. Central Bank
   4. Income Tax

   সঠিক উত্তর: Income Tax

   ব্যাখ্যা: Tax-related provisions or retained earnings are treated as internal compared to external loans.

5. Stem: 'K' Bank provides scholarships for poor and meritorious students. Because of this, its customers are assured and satisfied with the bank. Q: The initiative taken by 'K' Bank is related to which of the following in business?

   1. Social Responsibility
   2. Ethics
   3. Values
   4. Wealth Maximization

   সঠিক উত্তর: Social Responsibility

   ব্যাখ্যা: This is an example of Corporate Social Responsibility (CSR).

6. Stem: (Same as above) Q: Whose responsibility is it to undertake such a scholarship program?

   1. Chairman
   2. Shareholder
   3. Financial Manager
   4. Employees

   সঠিক উত্তর: Financial Manager

   ব্যাখ্যা: The Financial Manager allocates funds for strategic planning including CSR.

7. Sources of public finance include: i. Treasury Bill, ii. Income Tax, iii. Import Duty.

   1. i & ii
   2. i & iii
   3. ii & iii
   4. i, ii & iii

   সঠিক উত্তর: i, ii & iii

   ব্যাখ্যা: Governments use taxes and instruments like Treasury Bills to manage revenue and deficits.

8. The relationship between risk and profit is—

   1. Proportional
   2. Neutral
   3. Positive
   4. Negative

   সঠিক উত্তর: Positive

   ব্যাখ্যা: Higher risk levels generally require higher profit expectations.

9. In which type of finance is the amount of expenditure determined first?

   1. Public Finance
   2. Family Finance
   3. Business Finance
   4. Non-business Finance

   সঠিক উত্তর: Public Finance

   ব্যাখ্যা: Public finance typically determines expenditure needs before seeking revenue sources.

10. If investment in current assets is insufficient: i. Production decreases, ii. Bankruptcy risk increases, iii. Profit increases.

    1. i & ii
    2. i & iii
    3. ii & iii
    4. i, ii & iii

    সঠিক উত্তর: i & ii

    ব্যাখ্যা: Insufficient working capital leads to production halts and insolvency risk.