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  3. It has often been said that a guarantee is the easiest form of security to take

It has often been said that a guarantee is the easiest form of security to take

游客2025-06-20  37
问题 It has often been said that a guarantee is the easiest form of security to take but the most difficult to realize because of the following reasons except that______.
选项 A、the guarantee has intrinsic value which is difficult to realize
B、the guarantor’s financial position may deteriorate without the bank’s knowledge
C、guarantors never expect to pay and often refuse to do so, making realization a difficult and lengthy process
D、there may be a reluctance to enforce the security where the guarantor is a valued and influential customer of the bank
答案 A
解析 答案为A项。保证是最容易得到却是最不易实现的一种担保形式。保证没有内在价值，没有可实现的有形资产权利；保证人的财务状况可能恶化，但贷款银行不一定掌握相关情况；保证人一般不会预期到借款人最终违约而由他代其偿还债务的情况，因此经常拒绝付款；如果保证人是贷款银行的大客户，银行可能并不愿意为执行该担保而失去该客户。本题中，只有A项提及的“保证具有难以实现的内在价值”不正确，故选A项。
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