李同學(xué)
2019-03-19 12:1103.單選題 已收藏 標(biāo)記 糾錯(cuò) According to the following statements about auto loan Receivable-backed securities, which statement is not correct? A A subprime loan is one granted to borrowers with higher credit quality. B The purpose of a reserve account is to provide internal credit enhancement. C Overcollateralization means that the aggregate principle balance of the automobile loan contracts exceeds the principle balance of the notes. 查看解析 上一題 下一題 ?正確答案A 您的答案A本題平均正確率：69% ?Non-mortgage asset-backed securities難度：一般 推薦： ? ? ? ? ? 答案解析 A subprime loan is one granted to borrowers with lower credit quality. 問：C這句話怎么翻譯，怎么理解？ 我對(duì)過度抵押的理解是，我買了一輛車50w，抵押了我家的房子500w，但是和C應(yīng)該沒關(guān)系?C在說什么 請(qǐng)問？
所屬：CFA Level I 視頻位置 相關(guān)試題
來源： 視頻位置 相關(guān)試題
1個(gè)回答
Sherry Xie助教
2019-03-20 14:13
該回答已被題主采納
同學(xué)你好，MBS的抵押品其實(shí)是Mortgage loan, 所以當(dāng)loan的價(jià)值超過MBS本身的價(jià)格時(shí)候，叫做過度抵押。
那么這句話描述的就是這種情況，the aggregate principle balance of the automobile loan contracts說的意思就是Mortgage loan的價(jià)值，而 the principle balance of the notes就是MBS本身的價(jià)值.
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回復(fù)：這樣解釋完，我一畫圖 就太清楚了 謝謝老師
