B的BSM model是不是会比regression更消耗计算量？

问题如下：

In the presentation, Lok is asked why the research team chose to use a reduced-form credit model instead of a structural model. Which statement is he likely to make in reply?

选项：

A.

Structural models are outdated having been developed in the 1970s; reduced-form models are more modern, having been developed in the 1990s.

B.

Structural models are overly complex because they require use of option pricing models, whereas reduced-form models use regression analysis.

C.

Structural models require "inside" information known to company management, whereas reduced-form models can use publicly available data on the firm.

解释：

C is correct. Structural models require information best known to the managers of the company. Reduced-form models only require information generally available in financial markets.

A is literally true but when models were developed is immaterial. Structural models are currently used in practice by commercial banks and credit rating agencies.

B is incorrect because computer technology facilities valuation using option pricing models as well as regression analysis.