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、

A. ①
B、

B. ②
C、

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.