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  3. Congress chartered agencies which were able to offer new securities backed by mo

Congress chartered agencies which were able to offer new securities backed by mo

游客2025-06-20  10
问题 Congress chartered agencies which were able to offer new securities backed by mortgages in the United States are______. i. Fannie Mae ii. FHA iii. Ginnie Mae iv. Freddie Mac
选项 A、i, ii and iv
B、i, iii and iv
C、only i and iii
D、only iii and iv
答案 B
解析 答案为B项。Fannie Mae(the Federal National Mortgage Association)“联邦全国抵押贷款协会”，也可略为“FNMA”。该协会购买和出售农民住房管理局、退伍军人管理局和一些没有政府支持机构的抵押品。FHA(the Federal Housing Administration)“联邦住宅管理局”，为住房抵押提供保险的美国国家机构。Ginnie Mae(the Government National Mortgage Association)“政府全国抵押贷款协会”，也可略为“GNMA”。该协会购买退伍军人管理局和联邦住房管理局的抵押品，然后以这些抵押品为基础发行抵押债券。Freddie Mac(the Federal Home Loan Mortgage Corporation)“联邦住宅贷款抵押公司”，也可略为“FHLMC”。该公司是一家联邦特许的股份制公司，它在二级市场上从储蓄贷款银行、抵押银行手中购入抵押住宅，然后将抵押住宅证券化，对抵押证券的利息支付和本金支付提供担保，最后在资本市场上出售抵押证券。由美国国会授权建立的，可出售抵押贷款支持证券的三家机构是Fannie Mae、Ginnie Mae和Freddie Mac。故本题选B项。
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