问题如下图：
选项：
A. 
B. 
C. 
D. 
解释：
Business risk relates to the y-to-y operationrisks of the business. Cret risk relates to the potentifor a lenr to fault on their obligation. Refinancing a mortgage when rates crease is example of asset valuation risk. Refinancing a mortgage is consirea prepayment risk to the lenr, whiis a component of asset valuation risk. When rates crease, borrowers are more likely to refinantheir existing (higher rate) mortgage into a lower rate obligation. The lenr then earns less in interest on the obligation ththey woulhave previously. Reputation risk is primarily a concern for the lenr. Business risk relates to strategic risks tieto new procts anvolume, while cret risk is the risk ththe borrower (rather ththe lenr) will fault. 能帮忙把题干翻译一下吗？我有点不能理解 是问的下列哪项是由借款人导致的？那为什么借款人导致的呢？
Business risk relates to the y-to-y operationrisks of the business. Cret risk relates to the potentifor a lenr to fault on their obligation. Refinancing a mortgage when rates crease is example of asset valuation risk. Refinancing a mortgage is consirea prepayment risk to the lenr, whiis a component of asset valuation risk. When rates crease, borrowers are more likely to refinantheir existing (higher rate) mortgage into a lower rate obligation. The lenr then earns less in interest on the obligation ththey woulhave previously. Reputation risk is primarily a concern for the lenr. Business risk relates to strategic risks tieto new procts anvolume, while cret risk is the risk ththe borrower (rather ththe lenr) will fault. A的意思是reputation对于borrower来说更重要么？我记得前面几章有讲过判断一个borrower好不好有时候也会考虑他的reputation，这样的话A也是对的吧？讲义129页讲到的reputation risk preserve a reputation for customer，这里的customer就是borrower吧？
可不可以一下这道题，不知道考点是什么，谢谢
