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ziduozhixia · 2021年03月01日

为什么选c呢

NO.PZ2016031001000005

问题如下:

Which of the following is a type of external credit enhancement?

选项:

A.

Covenants.

B.

Overcollaterization.

C.

A surety bond.

解释:

C is correct.

A surety bond is an external credit enhancement, i.e., a guarantee received from a third party. If the issuer defaults, the guarantor who provided the surety bond will reimburse investors for any losses, usually up to a maximum amount called the penal sum.

A is incorrect because covenants are legally enforceable rules that borrowers and lenders agree upon when the bond is issued.

B is incorrect because overcollateralization is an internal, not external, credit enhancement. Collateral is a guarantee underlying the debt above and beyond the issuer’s promise to pay, and overcollateralization refers to the process of posting more collateral than is needed to obtain or secure financing. Collateral, such as assets or securities pledged to ensure debt payments, is not provided by a third party. Thus, overcollateralization is not an external credit enhancement.

ac选项讲义里没有呢
1 个答案
已采纳答案

吴昊_品职助教 · 2021年03月02日

嗨,爱思考的PZer你好:


同学你好:

C选项是典型的外部信用增级方式,所以这道题就选C。surety bond是找保险公司做一个担保,一旦公司还不起钱了,保险公司会还本付息。这是一种外部信用增级的方式。

A选项:covenant是指合约中的条款,比方negative covenant否定性条款。这个选项和本题无关。

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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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