NO.PZ2023120801000023
问题如下：
Which of the following is a benefit to a bank that makes short-term loans and issues asset-backed commercial paper?
选项：
A.
The bank receives commercial paper when the ABCP is issued.
B.
Capital costs are reduced by providing undrawn backup liquidity instead of holding the short-term loans to maturity.
C.
The bank purchases a liquid, short-term note with interest and principal payments from a short-term loan portfolio to which it would otherwise not have direct access.
解释：
Correct Answer: B
The bank will reduce capital costs by providing undrawn backup liquidity instead of holding the short-term loans to maturity. A is incorrect because the bank receives cash when the ABCP is issued, which increases the bank’s return. C is incorrect because investors purchase a liquid, short-term note with interest and principal payments from a short-term loan portfolio to which it would otherwise not have direct access.
这道题如何理解呢，麻烦老师解释一下呢谢谢。
未提取备用指的是uncommitted信贷额度吗，题目中说的capital是因为银行发放了贷款所以必须要有一定资本金额吸收损失，维持资本充足率吗？