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Passage 3 Security is required on loans for several reasons. One of the most common is probably the borrower’s financial weakness. Such weakness may be indicated by several factors, including heavy obligations to creditors, poor management, and insufficient income. Borrowers in this financial condition can strengthen their credit by pledging certain assets. Having a secured loan may also be a psychological advantage for a bank. As long as the borrower has greater equity in the pledged assets than does the bank and the bank is in a preferred position and can foreclose in the event the loan agreement is broken, the borrower has a strong incentive to repay the obligation. The length of a loan also has a bearing on whether it will be secured. As the term of the loan lengthens, the risk of non-repayment increases. Loans for purchasing rea 查看答案 更多"Passage 3 Security is required "的相关试题: [单项选择] Passage 3 Security is required on loans for several reasons. One of the most common is probably the borrower’s financial weakness. Such weakness may be indicated by several factors, including heavy obligations to creditors, poor management, and insufficient income. Borrowers in this financial condition can strengthen their credit by pledging certain assets. Having a secured loan may also be a psychological advantage for a bank. As long as the borrower has greater equity in the pledged assets than does the bank and the bank is in a preferred position and can foreclose in the event the loan agreement is broken, the borrower has a strong incentive to repay the obligation. The length of a loan also has a bearing on whether it will be secured. As the term of the loan lengthens, the risk of non-repayment increases. Loans for purchasing rea A. Past record of repayment. B. Low profitability. C. Poor management. D. Heavy obligations to creditors. 查看答案 [简答题] Passage 3 Secured loans involve the pledge of specific collateral. An example is a loan that is secured by a chattel mortgage on an automobile or some other form of personal property. Pledged collateral for secured loans may consist of a variety of assets such as real estate, warehouse receipts, accounts receivable, plants and equipment, trust receipts, negotiable bills of lading, oil runs, corporate stocks, and bonds. The basic requirement of such assets is marketability. The main reason for requesting that a loan be secured is to reduce the bank’s risk of loss in the event the borrower is unwilling or unable to repay the loan at maturity. Security does not assure that the loan will be repaid; however, it does reduce the risk, since the hank becomes a preferred creditor in the event of liquidation, and takes precedence over general cre 查看答案 我来回答: 提交 最新试题 ●    [判断题]消防头盔由帽壳、佩戴装置、面罩、披肩和下颏带等主要部件组成。( )(易) ●    [单选题]375、浮标式液位计的量程和工作压力都较大,造成翻板翻转的原因是()。 ●    [单选题]搜索引擎可以查询海量的信息,下列网站哪个属于搜索引擎____。 ●    [判断题]制作、贩卖、传播妄议中央大政方针,破坏党的集中统一的书刊、音像制品、电子读物、网络音视频资 ●    [判断题]质量日报中原燃材料板块必须采取手动录入的模式。 ●    对戒毒人员因毒瘾发作可能自伤、自残或者实施其他危害行为，应当采取必要的自我保护措施，防止发生伤亡事故 网站地图 我要搜题网  版权所有  ©2023  湘ICP备18016427号   购买搜题卡查看答案 [会员特权] 开通VIP， 查看 全部题目答案 [会员特权] 享免全部广告特权 推荐91天 ¥36.8 ￥80元 31天 ¥20.8 ￥40元 365天 ¥88.8 ￥188元 请选择支付方式 微信支付 支付宝支付 点击支付即表示同意并接受了《购买须知》 立即支付 系统将自动为您注册账号 已有账号登录 找回账号密码 请使用微信扫码支付 订单号： 请不要关闭本页面，支付完成后请点击【支付完成】按钮 支付完成 取消支付 恭喜您，购买搜题卡成功 系统为您生成的账号密码如下： 账号 密码 重要提示：请拍照或截图保存账号密码！ 我要搜题网官网：https://www.woyaosouti.com 我已记住账号密码