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椰子鸡 · 2024年02月13日

麻烦老师解释一下C选项

NO.PZ2023052301000008

问题如下:

Which of the following is a benefit to a bank that makes short-term loans and issues asset-backed commercial paper?

选项:

A.

The bank receives commercial paper when the ABCP is issued.

B.

Capital costs are reduced by providing undrawn backup liquidity instead of holding the short-term loans to maturity.

C.

The bank purchases a liquid, short-term note with interest and principal payments from a short-term loan portfolio to which it would otherwise not have direct access.

解释:

B is correct. The bank will reduce capital costs by providing undrawn backup liquidity instead of holding the short-term loans to maturity. A is incorrect because the bank receives cash when the ABCP is issued, which increases the bank’s return. C is incorrect because investors purchase a liquid, short-term note with interest and principal payments from a short-term loan portfolio to which it would otherwise not have direct access.

麻烦老师解释一下C选项

1 个答案

pzqa27 · 2024年02月14日

嗨,爱思考的PZer你好:


C直接错在了对象上,主语应该改成investors。通过ABCP,投资者接触到了银行的短期贷款。对于投资者来说,扩大了自己的投资范围,可以购买到一个流动性好的短期的债券。

这道题都是这一页讲义上的原话,同学可以回听一下何老师对于这个知识点的讲解,加深印象。

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虽然现在很辛苦,但努力过的感觉真的很好,加油!

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