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Maggie · 2025年02月07日

这道题应该怎么理解

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问题如下:

In the event of a bankruptcy of the originator in a loan securitization, the investors would most likely experience:

选项:

A.

gains.

B.

losses.

C.

no impact.

解释:

Correct Answer: C

Since the SPE, which owns the loans, is bankruptcy remote from the seller of the collateral, the bankruptcy of the seller of the collateral will not affect the holders of securities issued by the SPE and backed by the collateral. The only credit risk that the investors face is the risk that the borrowers whose loans are included in the SPE default on their loans.

这道题应该怎么理解

1 个答案

笛子_品职助教 · 2025年02月07日

嗨,从没放弃的小努力你好:


Hello,亲爱的同学~

在资产证券化中,SPE已经把贷款资产,从银行手里买过来了,相当于买断了。

既然已经买断了,那么银行破产,就不会影响都SPE里的贷款资产,因此也不会影响到投资者。

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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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