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  3. Adverse selection is a problem associated with equity and debt contracts arising

Adverse selection is a problem associated with equity and debt contracts arising

游客2025-06-20  29
问题 Adverse selection is a problem associated with equity and debt contracts arising from
选项 A、the lenders’ ability to legally require sufficient collateral to cover a 100% loss if the borrower defaults
B、the lenders’ relative lack of information about the borrowers’ potential returns and risks of his investment activities
C、the borrowers’ lack of incentive to seek a loan for highly risky investments
D、none of the above
答案 B
解析 答案为A项。持续期缺口与银行净值之间的关系如下表所示：[*]本题中，该银行的持续期缺口为负值，因此，当利率上升时，银行净值增加，而当利率下降时，银行净值减少，故选A项。
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