2. 职称英语
  3. Successful financial intermediaries have higher earnings on their investments be

Successful financial intermediaries have higher earnings on their investments be

游客2025-06-20  1
问题 Successful financial intermediaries have higher earnings on their investments because they are better equipped than individuals to screen out good from bad risks, thereby reducing losses due to
选项 A、moral hazard
B、adverse selection
C、bad luck
D、financial panics
答案 B
解析 答案为B项。moral hazard“道德风险”。指由于经营者或参与市场交易的人士在得到来自第三方面的保障的条件下，其所做出的决策及行为即使引起损失，也不必完全承担责任，或呵能得到某种补偿，这将“激励”其倾向于做出风险较大的决策，以博取更大的收益。本题中金融中介由于拥有的信息相对个人而言更加充分，因而能避免由逆向选择导致的损失，故选B项。
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