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还是星宇好 · 2020年10月14日

问一道题:NO.PZ2016082405000085

问题如下:

By implementing risk-based pricing on its mortgage products, a bank will likely charge a:

选项:

A.

higher interest rate to a customer with a higher FICO score.

B.

lower interest rate to a customer with a lower credit bureau score.

C.

higher interest rate to a customer with a higher probability of default.

D.

lower interest rate to a customer positioned on a lower relative score band.

解释:

C The more likely it is that a customer will default, the higher the interest rate the bank will charge. A customer with a higher (lower) FICO/credit bureau score will be offered a lower (higher) interest rate. A customer positioned on a lower relative score band will be offered a higher interest rate.

credit bureau score 是啥玩意来着老师

1 个答案
已采纳答案

袁园_品职助教 · 2020年10月15日

同学你好!

credit bureau score model,通过收集个人各方面的信息,通过一定算法对个人信用状况进行评分,例如FICO、蚂蚁信用。