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一只可爱的猪 · 2020年03月02日

问一道题:NO.PZ2017121002000016

问题如下:

In credit analysis, capacity is best described as the:

选项:

A.

quality of management.

B.

ability of the borrower to make its debt payments on time.

C.

quality and value of the assets supporting an issuer’s indebtedness.

解释:

B is correct.

Capacity refers to the ability of a borrower to service its debt. Capacity is determined through credit analysis of an issuer’s industry and of the specific issuer.

看了解答,兵不明白为什么不选C?感觉C的意思和B是一样的,甚至更完整

1 个答案

吴昊_品职助教 · 2020年03月03日

B选项说的是capacity,C选项说的是collateral。capacity指的是借款人及时还本付息的能力;collateral指的是抵押物的质量和价值。