Subjects - Finance

By creating credits we mean the process whereby commercial banks, make it poss

According to USFDA, a combination product is one composed of any combination of a drug and device; biological product and device; drug and biological product

ible for more deposits to be made through loan and this process of creating cr

; or drug, device, and biological product and fixed dose combination would include two or more combinations of drug.

Examples of combination products may in

edits is also called creation of money or money creation. By granting loans to

lude drug-coated devices, drugs packaged with delivery devices in medical kits, and drugs and devices packaged separately but intended to be used together.

their customers, commercial banks increase the purchasing power of the borrowe

here is enormous increase in the number of combination products entering the market in the recent years. Combination products have proven advantages but fixe

r and also increase the volume of money in circulation. Commercial banks use c

d dose combinations are still in the process of convincing regulatory authority on their advantages over the single ingredient formulations.

Combination pro

rrent account as basis of creating credit or money. However, it is not possibl

ucts have become life saving products for the pharmaceutical companies who doesn’t have many innovative molecules in their product pipeline and have been inc

e for one commercial bank to create credit or money. For credit or money to be

easingly used in the product life cycle management. Even the companies having product patents are trying to extend their product life cycle through the combi

created, the entire banking system, will have to be involved.

Commercial bank

nation products and maximize the revenues. But the companies involved in this practice are overlooking that they are burdening the patients both economically

s are required by law to keep certain percentage of their deposits with them.

and physically. They need to rightly judge the benefits of the combination products and they have to even look at the risks involved when combining the produ

his percentage kept with them is known as Cash ratio or Liquidity ratio or Cas

ts. Some of the combination products were well accepted by physicians while others suffered. Companies involved in development of combination products are fi

h reserve. This is done in order to protect customer's deposits and prevent ba

ding difficulty in defining their combination products and facing various challenges from selecting a combination to marketing it.

Following aspects would a

nk crisis. This percentage of cash ratio banks will keep is fixed by the centr

dd to the challenges in developing combination products:

Which markets to tap where the combination products can do fairly well?
Which combination prod

l bank, and varies from one country to another. Assuming the central bank fixe

cts are meaningful and rational?
Which therapeutic categories to select?
Which Combinations can address unmet needs of the patients?
Do combin

s 10% as the cash ratio, it then means that for every deposit a bank receives,

tions increase the patient compliance?
What would be the developing cost?
How to tackle the risks encountered during combination product developmen

10% of the deposit must be kept in the bank while the remaining 90% can be giv

t?

As combination products don't fit into the traditional categories of drugs, medical devices, or biological products, the USFDA is in the process of devel

en out as a loan or overdraft by the bank. This 10% cash ratio is kept or rese

ping new procedures for reviewing their safety, efficacy and quality.

Professional from academic institutions, pharmaceutical industries, health care indust

ved with the bank in order for the bank to meet up with customer's withdrawals

y and representatives from various regulatory agencies are working out to design the regulatory requirements for manufacture and sale of combination products

. There are other methods by which commercial banks generate credit, for examp

.

As there is an increasing trend of the combination products companies manufacturing such products should be able to tackle the problems involved in the de

e the death of a customer, by government policies, by the sale of receipts and

elopment. They need to be wiser in analyzing the market trends and the regulatory requirements.

Companies that provide selfless information through particip

treasury bills, and also by selling shares to customers and the entire public

tion in industry events and feedback to regulatory authorities would be able to face the challenges and will be successful in developing combination products

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Subjects - How Commercial Banks Create Credit or Money

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