题目内容（请给出正确答案）

[主观题]

Direct lending risk occurs in products ranging from loans and overdrafts to credit cards a

nd residential mortgages. It exists for the entire life of the transaction.

提问人：网友vpoint 发布时间：2022-01-06

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更多“Direct lending risk occurs in …”相关的问题

第1题

Limiting the use of deficiency judgments in the area of consumer lending will ______.A．inc

Limiting the use of deficiency judgments in the area of consumer lending will ______.

A．increase the risk of lending

B．reduce the risk of lending

C．increase the availability of credit facility

D．set up the credit record of borrowers

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第2题

4. Lending institutions act as delegated monitors and can diversify and reduce their risk exposure, resulting in increased safety for savers' funds.

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第3题

Banks in international lending face the risks common to all banks: liquidity risk, interes

t rate risk, credit (asset) risk, and contingent liabilities risk.

A．Right

B．Wrong

C．Doesn't say

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第4题

听力原文：M: What margins will the lending bank charge？W: Margins mainly depend on these fa

听力原文：M: What margins will the lending bank charge？

W: Margins mainly depend on these factors: evaluation of credit risk, maturity of credit, and the starting point from which onwards the rate of interest shall be firm.

Q: How many factors do margins charged by the lending bank mainly depend on？

(12)

A．Four.

B．Two.

C．Three.

D．Five.

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第5题

听力原文：Other aspects of operational risk include major failure of information technology

systems or events such as major fires or other disasters.

(6)

A．Information technology system can cause operational risk.

B．A major fire can be a cause of operational risk.

C．The most important types of operational risk involve breakdowns in internal controls and corporate governance.

D．Other aspects of operational risk include firing its dealers, lending officers or other staff exceeding their authority or conducting business in an unethical or risky manner.

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第6题

GXJ Co, whose home currency is the dollar, wishes to borrow €12 million for a period of si

x months in three months’ time. The lending bank will fix the interest rate for the loan period at its prevailing lending interest rate when the loan is taken out. The finance director of GXJ Co believes this lending interest rate could be a minimum of 3·5% per year or a maximum of 5·5% per year. The uncertainty regarding the future interest rate is caused by the volatile state of the economy and impending elections which could lead to a change in political leadership and direction. Interest on the euro loan would be payable at the end of the loan period.

The finance director of GXJ Co would like to hedge the interest rate risk arising from the future loan and the company’s bank has offered a 3–9, 4·5%–3·5% forward rate agreement.

The finance director is also concerned about the foreign currency risk associated with the euro interest payment which would be due in nine months’ time.

The following exchange rates are available:

GXJ Co, whose home currency is the dollar, wishes

Required:

(a) Evaluate the proposed forward rate agreement as a way of managing the interest rate risk anticipated by GXJ Co. (3 marks)

(b) Analyse the foreign currency risk associated with the future interest payment of GXJ Co and briefly discuss ways that this risk might be hedged. (4 marks)

(c) Explain the nature of four-way equivalence in the relationship between spot exchange rates, forward exchange rates and future (expected) spot rates. (3 marks)

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第7题

听力原文：Recent years have seen a dramatic shift in the composition of capital flow to eme

rging market economies. In light of the evidence on the advantages of different kinds of capital, the change looks like one for the better. Bank lending has fallen sharply. Portfolio investment has gone up and foreign direct investment has soared despite the difficulties in expanding it as quickly as many countries would wish.

What has happened to the capital flow into the emerging market economies？

A．It has become difficult to get foreign direct investment.

B．Banks no longer offer any loans.

C．Portfolio investment has increased.

D．Those market economies didn't take advantage of different kinds of capital.

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第8题

Compared to joint ventures and direct investment, exporting consists of the least ris

k for a company which wants to enter the international market.()

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第9题

There is a（n) ________ relationship between acceptable risk of overreliance and planned sample size.