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金融民工阿聪 · 2020年07月23日

问一道题:NO.PZ2016082405000082

问题如下:

The dark side of retail credit risk is perpetuated by all of the following factors except:

选项:

A.

capital set aside to protect a bank in the event of default.

B.

process flaws resulting in high risk applicants receiving credit.

C.

new products which do not have sufficient historical loss data.

D.

a social acceptance of bankruptcy and borrowers -walking away- from their obligations.

解释:

A  Capital must be set aside to protect banks in the event of default, but this is a response to the dark side of retail credit risk rather than a perpetuating factor. A process flaw which grants credit to high risk individuals, a new product which doesn't have historical loss data, and the social -acceptance- of failing to meet debt payments are all considered perpetuating factors of retail credit risk.

想问一下这句话是什么意思...

1 个答案

袁园_品职助教 · 2020年07月24日

同学你好!

这里就是指经济突然发生变化会导致retail credit products表现出我们无法预期的变化