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🏠 Home › MCQs › Pakistan Current Affairs › Question

What is the primary characteristic of ‘Directed Lending’ in a national financial system?

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By The Quiz Wire

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Published 07 Jan 2026

A. Banks' voluntary Corporate Social Responsibility (CSR).

B. Regulator imposing credit allocation targets on banks.

C. Market forces autonomously determining credit flow.

D. Government providing direct cash subsidies to businesses.

💡 Explanation:

Directed lending, or directed credit, is a non-market-based policy where a government or central bank compels or mandates commercial banks to allocate a specified portion of their credit to certain sectors, groups (e.g., small farmers), or projects, often bypassing the banks' normal commercial risk assessment.

📚 Topics: Pakistan Current Affairs

🎯 Exams: CSS GEN NTS PMS UK_CS US_COMP

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