[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"$fe2xOl5KVHtbt7RX59MPxijti_mc6QS2DEFv3K99YvSE":3},{"answer":4,"createTime":5,"id":6,"options":7,"origin":12,"question":18,"related":19,"source":27,"type":58},[],"2025-10-07 20:56:14",1076969696,[8,9,10,11],"subjective","objective","conductive","quantitative",{"courseId":13,"courseImg":14,"courseName":15,"workId":16,"workName":17},"1000001536","https:\u002F\u002Ftihai-oss-cloud.itihey.com\u002Fimg\u002Fc0c18473870fc446d70baccdd1d0cf18.png","金融英语","62578189","第八章单元测试","Credit scoring is more _________ than human loan officers. It eliminates variations in risk assessment among loan officers, and by a single officer over time. ( )",[20,29,34,39,44,49,59,62,71,80],{"answer":21,"createTime":5,"id":22,"options":23,"question":26,"source":27,"type":28},[],1076969676,[24,25],"对","错","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":30,"createTime":5,"id":31,"options":32,"question":33,"source":27,"type":28},[],1076969679,[24,25],"Different industries have different standards to define small businesses.( )",{"answer":35,"createTime":5,"id":36,"options":37,"question":38,"source":27,"type":28},[],1076969680,[24,25],"Moral hazard occurs prior to a deal between a buyer and a seller, while adverse selection may appear after the deal is made. ( )",{"answer":40,"createTime":5,"id":41,"options":42,"question":43,"source":27,"type":28},[],1076969683,[24,25],"Akerlof suggested that the problem of adverse selection distorted the market, leading to higher prices but lower average quality of the goods. ( )",{"answer":45,"createTime":5,"id":46,"options":47,"question":48,"source":27,"type":28},[],1076969687,[24,25],"In small business lending, adverse selection arises from the bank's inability to distinguish between high-risk and low-risk borrowers. ( )",{"answer":50,"createTime":5,"id":51,"options":52,"question":57,"source":27,"type":58},[],1076969693,[53,54,55,56],"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":60,"createTime":5,"id":6,"options":61,"question":18,"source":27,"type":58},[],[8,9,10,11],{"answer":63,"createTime":5,"id":64,"options":65,"question":70,"source":27,"type":58},[],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":27,"type":58},[],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":27,"type":58},[],1076969731,[53,54,55,56],"___________, 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. ( )"]