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2022-04-26 11:077.Which of the following is not an advantage of the originate-to-distribute (OTD) business model? A. Investors benefited from a wider array of investments, allowing them to diversify their portfolios and better synchronize their risk/return profiles with their goals and preferences. B. Credit risk is retained by banks on their balance sheets, along with the associated cash flows. C. Reduces the incentive for loan originators to monitor the creditworthiness of borrowers. D. Originators benefited from greater capital efficiency and enhanced funding opportunities.
所屬：FRM Part I > Foundations of Risk Management 視頻位置 相關試題
來源： 視頻位置 相關試題
1個回答
Yvonne助教
2022-04-26 15:50
該回答已被題主采納
同學你好，請問你有什么疑問？
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追問
老師好，這題答案給的是b，我理解。但是c選項，應該也不是OTD model的advantage吧
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追答
同學你好，C選項也是它的優(yōu)點之一，因為這里實際上是站在銀行端考慮的優(yōu)點，貸款發(fā)行方對借款人的標準降低實際上能夠獲得更多的潛在貸款池，對發(fā)行方來說收益更多。
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