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单选题 Credit scoring is more _________ than human loan officers. It eliminates variations in risk assessment among loan officers, and by a single officer over time. ( )
学科：金融英语
时间：2025-10-07 12:56:14
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题目1判断题
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.( )A. 对B. 错
题目2判断题
Different industries have different standards to define small businesses.( )A. 对B. 错
题目3判断题
Moral hazard occurs prior to a deal between a buyer and a seller, while adverse selection may appear after the deal is made. ( )A. 对B. 错
题目4判断题
Akerlof suggested that the problem of adverse selection distorted the market, leading to higher prices but lower average quality of the goods. ( )A. 对B. 错
题目5判断题
In small business lending, adverse selection arises from the bank's inability to distinguish between high-risk and low-risk borrowers. ( )A. 对B. 错
题目6单选题
___________ refers to the tendency to change one's behavior, for example, to take more risks, because someone else bears the cost of those risks. ( )A. Moral hazardB. Adverse selectionC. Credit rationingD. Credit crunch
题目7单选题
Credit scoring is more _________ than human loan officers. It eliminates variations in risk assessment among loan officers, and by a single officer over time. ( )A. subjectiveB. objectiveC. conductiveD. quantitative
题目8单选题
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. ( )A. consumer loansB. project loansC. consortium loansD. export credit
题目9单选题
The effect of asymmetric information can be seen clearly in "___________", which is proposed and illustrated by the economist . ( )A. niche marketB. mass marketC. the second-hand marketD. the Market for Lemons
题目10单选题
___________, 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. ( )A. Moral hazardB. Adverse selectionC. Credit rationingD. Credit crunch
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