Quantitative tools of credit control –Open market operation operations

This method of credit control developed after the First World War.

OMO refers to buying and selling of government securities and other eligible paper like bills and securities of private concerns by the central bank in the open market.

PURCHASE OF SECURITIES

During deflationary conditions

when there is less purchasing power in the economy

When the central bank purchases securities

money flows from central bank to commercial bank

this increases the cash balances of the commercial banks

this increases their capacity to create credit

therefore the market rate declines

loans and advances by commercial banks increases

helps expansion of credit and

increases money supply

SALE OF SECURITIES

During inflationary conditions,

When the central bank sells securities

money flows from commercial banks  to the central bank

this reduces the cash balances of the commercial banks

this reduces their capacity to create credit

therefore the market rate rises

loans and advances by commercial banks decreases

helps contaction of credit and

decreases money supply

In India however the OMO has not been very effective because the market for government securities is not well organized and developed.

Conditions for success or limitations of OMO

This method can be successful only if the securities market is well-developed.

This method is ineffective if commercial banks have excess cash reserves.

Posted in General Economics