2. 职称英语
  3. Which of the following is not correct?______.A、Asset securitization refers to th

Which of the following is not correct?______.A、Asset securitization refers to th

游客2025-06-20  0
问题 Which of the following is not correct?______.
选项 A、Asset securitization refers to the packaging and selling of loans and other assets backed by securities.
B、Asset securitization allows Flasset portfolios to become more liquid.
C、Asset securitization originated in the real estate and remains to be solely applied to mortgages.
D、Theoretically all assets and loans can be securitized, so long as it is profitable to do so or the benefits to the FI from securitization outweigh the costs of securitization.
答案 C
解析 答案为C项。FI是financial institution的缩写，表示“金融机构”。asset securitization“资产证券化”，是指将已经存在的信贷资产集中起来，进行结构性重组，并重新分割为证券转售给市场上的投资者，而该信贷资产在原持有者的资产负债表可以消失也可不消失，由此可进一步对资产证券化进行本质上的解释，即它是将贷款或应收贷款转换为可转让工具的过程，如将批量贷款进行证券化销售，或者将小额、非市场化且信用质量相异的资产重新包装为新的流动性债务证券。资产证券化的核心在于对贷款中风险与收益要素的分离与重组，使其定价和重新配置更为有效，从而使参与各方均受益。根据资产证券化的定义，A项正确；资产证券化的运用提高了金融机构的资产组合的流动性，因此，B项正确；资产证券化虽然起源于住房抵押贷款，但目前已广泛应用于除住房抵押贷款以外的其他贷款和资产，如汽车贷款、信用卡贷款、助学贷款和企业应收账款等，因此，C项错误；理论上，所有的贷款和资产都可以证券化，只要金融机构进行证券化的收益超过成本即可，因此，D项正确。本题中只有C项错误，故选C项。
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