NO.PZ2020033003000002
问题如下：
Jane is a credit analyst working for Bank A. She was assigned to make a credit analysis of Jack's loan application. Jack has his own car retail store for more than 20 years. However, selling traditional automobile becomes more difficult because of the rapid development of the industry. Jack wants to improve the sales by introducing new energy vehicles. Jack had a loan record at Bank A before but curretly the loan has been settled. When considering Jack's new application, which is not the main variable to be considered about the loan's credit risk?
选项：
A.The willingness of Jack and Jack's financial situation
B.The development of new energy automobile industry
C.The financial position of the store
D.The finanial postion of Jack's friend who was potential loan guarantee.
解释：
D is correct.
考点：Credit Risk 重点影响因素。
解析：评价信用风险时，应该重点考虑的是borrower的相关状况及本身的商业环境，对于潜在担保方不应重点考虑
Credit Risk 重点影响因素当中第四条不是关于是否有风险降低的手段嘛。那D选项也属于主要的变量需要去考虑呀，为什么不选择D
