单选题 Are the following statements about assessing credit risk true or false?
Statement 1: From a lender" s perspective, higher margin volatility is for floating-rate debt but not for fixed-rate debt.
Statement 2: Product and geographic diversification should lower credit risk.
Statement 1 Statement 2
①A. False True
②B. False False
③C. True True

A、 ①
B、 ②
C、 ③

【正确答案】 A

【答案解析】Margin stability is desirable from the lender" s perspective for both floating-rate and fixed-rate debt. Higher volatility will increase credit risk. Product and geographic diversification should lower credit risk as the borrower is less sensitive to adverse events and conditions.