When borrowers know more than lenders about the future prospects of a project to

游客2025-06-20 17

问题 When borrowers know more than lenders about the future prospects of a project to be undertaken with borrowed funds, the lender faces the problem of______.

选项 A、moral indignation
B、default risk
C、free riding
D、asymmetric information

答案 D

解析答案为C项。rate—sensitive liability，RSL“利率敏感性负债”。rate—sensitive asset，RSA“利率敏感性资产”。利率敏感性资产和负债是指那些在较短时限内到期的或需要重新确定利率的资产和负债。如浮动利率贷款、债券和存款等。这些项目的头寸是利率风险管理的主要对象。利率变动、利率敏感性缺口(gap，即利率敏感性资产减去利率敏感性负债)与净利息收入的关系如下表：[*]根据上表，当利率敏感负债多于利率敏感资产时，利率敏感性缺口为负值，利率上升将使银行净利息收入减少，利率下降将使银行净利息收入增加。故本题选C项。

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