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小如 · 2020年10月15日

问一道题:NO.PZ2016082405000085 [ FRM II ]

问题如下:

By implementing risk-based pricing on its mortgage products, a bank will likely charge a:

选项:

A.

higher interest rate to a customer with a higher FICO score.

B.

lower interest rate to a customer with a lower credit bureau score.

C.

higher interest rate to a customer with a higher probability of default.

D.

lower interest rate to a customer positioned on a lower relative score band.

解释:

C The more likely it is that a customer will default, the higher the interest rate the bank will charge. A customer with a higher (lower) FICO/credit bureau score will be offered a lower (higher) interest rate. A customer positioned on a lower relative score band will be offered a higher interest rate.

请问第四问是什么意思,怎么解释?

1 个答案

品职答疑小助手雍 · 2020年10月16日

嗨,爱思考的PZer你好:


D:如果这个customer在低分的区域的话,他被charge的利率会比较低(正确的应该是高)。


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