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Ella · 2024年02月13日

C选项的解析不是很懂

NO.PZ2023052301000009

问题如下:

Ewing Corp. is a large corporation that has an existing relationship with Sycamore Bank. Ewing is seeking short-term financing from a committed line of credit; however, Sycamore will offer only an uncommitted line of credit. Which of the following best supports Sycamore’s decision?

选项:

A.

Sycamore will receive an upfront commitment fee on the uncommitted line of credit.

B.

Sycamore will require less bank capital for the uncommitted line than for the committed line of credit.

C.

Sycamore can form a syndicate to reduce the amount of committed capital needed under an uncommitted line of credit.

解释:

B is correct. Committed lines require more bank capital than uncommitted lines, although commitments of less than a year (usually 364 days) minimize a bank’s capital requirement. A is incorrect because Sycamore will receive an upfront commitment fee on a committed line of credit. C is incorrect because Sycamore can form a syndicate to reduce the amount of committed capital needed under a committed line of credit.

C选项的解析不是很懂

1 个答案
已采纳答案

pzqa27 · 2024年02月14日

嗨,努力学习的PZer你好:


C说的不对,由于committed line of credit是承诺好的,因此需要更多的资本金来支持这项业务,所以银行可以形成一种syndicate方式,或者可以认为是形成银行集团,多家银行一起来做这项业务,那么每个人需要提供的capital就可以被认为是降低了。所以C应该是对于committed line of credit来说的,而不是uncommitted line of credit.

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