[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"$fQFzS041C_DyEhEHKRQ74Q_v4aOQFtuTFRSensR-EYA0":3},{"answer":4,"createTime":5,"id":6,"options":7,"origin":10,"question":16,"related":17,"source":23,"type":24},[],"2025-10-07 20:56:14",1076969680,[8,9],"对","错",{"courseId":11,"courseImg":12,"courseName":13,"workId":14,"workName":15},"1000001536","https:\u002F\u002Ftihai-oss-cloud.itihey.com\u002Fimg\u002Fc0c18473870fc446d70baccdd1d0cf18.png","金融英语","62578189","第八章单元测试","Moral hazard occurs prior to a deal between a buyer and a seller, while adverse selection may appear after the deal is made. ( )",[18,25,30,33,38,43,53,62,71,80],{"answer":19,"createTime":5,"id":20,"options":21,"question":22,"source":23,"type":24},[],1076969676,[8,9],"The problem of asymmetrical information arises because buyers and sellers don't have equal amounts of information required to make an informed decision regarding a transaction.( )","v2",3,{"answer":26,"createTime":5,"id":27,"options":28,"question":29,"source":23,"type":24},[],1076969679,[8,9],"Different industries have different standards to define small businesses.( )",{"answer":31,"createTime":5,"id":6,"options":32,"question":16,"source":23,"type":24},[],[8,9],{"answer":34,"createTime":5,"id":35,"options":36,"question":37,"source":23,"type":24},[],1076969683,[8,9],"Akerlof suggested that the problem of adverse selection distorted the market, leading to higher prices but lower average quality of the goods. ( )",{"answer":39,"createTime":5,"id":40,"options":41,"question":42,"source":23,"type":24},[],1076969687,[8,9],"In small business lending, adverse selection arises from the bank's inability to distinguish between high-risk and low-risk borrowers. ( )",{"answer":44,"createTime":5,"id":45,"options":46,"question":51,"source":23,"type":52},[],1076969693,[47,48,49,50],"Moral hazard","Adverse selection","Credit rationing","Credit crunch","___________ refers to the tendency to change one's behavior, for example, to take more risks, because someone else bears the cost of those risks. ( )",0,{"answer":54,"createTime":5,"id":55,"options":56,"question":61,"source":23,"type":52},[],1076969696,[57,58,59,60],"subjective","objective","conductive","quantitative","Credit scoring is more _________ than human loan officers. It eliminates variations in risk assessment among loan officers, and by a single officer over time. ( )",{"answer":63,"createTime":5,"id":64,"options":65,"question":70,"source":23,"type":52},[],1076969699,[66,67,68,69],"consumer loans","project loans","consortium loans","export credit","The credit scoring model for small businesses is based on _________ , just like the credit scoring for the issue of a credit card with simple procedures. ( )",{"answer":72,"createTime":5,"id":73,"options":74,"question":79,"source":23,"type":52},[],1076969728,[75,76,77,78],"niche market","mass market","the second-hand market","the Market for Lemons","The effect of asymmetric information can be seen clearly in "___________", which is proposed and illustrated by the economist . ( )",{"answer":81,"createTime":5,"id":82,"options":83,"question":84,"source":23,"type":52},[],1076969731,[47,48,49,50],"___________, which describes a situation where market participation is affected by asymmetric information, affects the ability of markets to allocate credit by prices because it removes the lower-risk borrowers from the set of potential borrower. ( )"]