题目
Securitization is beneficial for banks because it:
选项
A.repackages bank loans into simpler structures.
B.increases the funds available for banks to lend.
C.allows banks to maintain ownership of their securitized assets.
答案
B
解析
： B is correct. Securitization increases the funds available for banks to lend because it allows banks to remove loans from their balance sheets and issue bonds that are backed by those loans. Securitization repackages relatively simple debt obligations, such as bank loans, into more complex, not simpler, structures. Securitization involves transferring ownership of assets from the original owner—in this case, the banks—into a special legal entity. As a result, banks do not maintain ownership of the securitized assets. ： B是正确的。证券化增加了银行可用于放贷的资金，因为它允许银行从资产负债表中移除贷款，并发行由这些贷款支持的债券。证券化将相对简单的债务（如银行贷款）重新打包成更复杂而非更简单的结构。证券化涉及将资产的所有权从原所有人转移到一个特殊的法律实体，在这种情况下，因此，银行并不持有证券化资产的所有权。