Successful financial intermediaries have higher earnings on their investments because they are better equipped than individuals

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问题 Successful financial intermediaries have higher earnings on their investments because they are better equipped than individuals to screen out good from bad risks, thereby reducing losses due to

选项 A、moral hazard
B、adverse selection
C、bad luck
D、financial panics

答案B

解析答案为B项。moral hazard“道德风险”。指由于经营者或参与市场交易的人士在得到来自第三方面的保障的条件下，其所做出的决策及行为即使引起损失，也不必完全承担责任，或呵能得到某种补偿，这将“激励”其倾向于做出风险较大的决策，以博取更大的收益。本题中金融中介由于拥有的信息相对个人而言更加充分，因而能避免由逆向选择导致的损失，故选B项。

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本试题收录于： FECT综合（现代金融业务）题库金融英语（FECT）分类

FECT综合（现代金融业务）

金融英语（FECT）

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