三信商銀103年貨銀一題 - 金融業討論

By Christine
at 2014-07-29T15:56
at 2014-07-29T15:56
Table of Contents
各位大大好
小弟又來叨擾大家了
想詢問三信考題中貨銀的一題
題目:
下列何者是即使借款人願付較高的利率,
銀行對於高風險的借款人寧可拒貸或少貸?
A)逆選擇
B)信用分配
C)道德危險
D)劃紅線(redlining)
個人覺得答案是D,因為劃紅線內的顧客
都是以風險較高為主
所以覺得應該是D
但這題的答案給B(信用分配)
我不懂為何是信用分配
有請各位大大解惑
感謝
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Tags:
金融業
All Comments

By Madame
at 2014-08-01T15:48
at 2014-08-01T15:48

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