The correct answer is D. All of the above.
Bank credit is a short-term source of finance that is available to businesses and individuals. It is a loan that is provided by a bank and is usually repaid within a year. Bank credit can be used for a variety of purposes, such as to cover working capital needs, to finance investment projects, or to meet unexpected expenses.
Public deposit is another short-term source of finance. It is a deposit that is made by the public with a bank. Public deposits are usually repayable on demand, which means that they can be withdrawn at any time. Public deposits can be used by banks to finance their lending activities.
Commercial papers are short-term debt instruments that are issued by companies. They are usually unsecured and have a maturity of less than one year. Commercial papers are a popular source of finance for companies because they are a relatively inexpensive way to raise money.
In conclusion, bank credit, public deposit, and commercial papers are all short-term sources of finance. They are available to businesses and individuals and can be used for a variety of purposes.