题目内容 (请给出正确答案)
提问人:网友f******g 发布时间:2023年1月16日 08:25
[单项选择题]

  What would you rather lose: your house or your car In America, where a car is usually essential to get to work, many borrowers would sooner lose their house, which explains why in the years after the crisis, mortgages were more likely to go bad than car loans. It also explains why auto loans, unlike mortgages, are booming. New loans reached 371 billion in the year to June, up 7.4% from the previous year and 64% since 2009. Subprime auto loans, made to the riskiest borrowers, have grown even faster, by 93% since 2009.    This growth is due to rising car sales and ample credit as banks, finance companies and carmakers’ financing arms compete to lend to consumers, either directly or via car dealers. Those loans are then packaged into securities for yield-hungry investors. Experian, a credit-scoring agency, reckons 85% of new and 54% of used cars are now bought with loans, compared to 79% and 52% in 2007.    A car loan is a complex transaction that hinges not just on the price of a car, but also on its trade-in value, extras such an extended guarantee or rust proofing, and most important, the interest rate. A dealer typically selects a quote from a bank or finance company via his computer and marks it up. The higher the markup, the greater the payment he receives from the lender.    Consumer advocates fret that this process leaves the unsophisticated—as subprime customers tend to be—at the mercy of unscrupulous dealers. They may be charged a higher rate despite qualifying for a lower one, sold unneeded or overpriced extras, or even told, a few days after they drive off with the car, that their loan was turned down and they must pay a higher rate. "None of the prices are fixed, and each unfixed price is a potentially abusive negotiating point," says Tom Domonoske, a lawyer who represents aggrieved buyers. Consumer advocates would like markups replaced with a flat fee.    The Consumer Financial Protection Bureau (CFPB), a new watchdog agency set up after the financial crisis, is also worried that lots of borrowers get a raw deal. It has told banks and finance companies that it holds them responsible for the behaviour of the dealers they work with, and that it considers dealers’ discretion over markups an invitation to discrimination. Dealers are fuming at the CFPB’s muscle-flexing. Competition, they say, ensures that customers get the best rate; dealers need discretion to compete. By raising costs, stricter regulation may actually reduce the amount of credit available.

A.dealers’ manipulation of negotiating prices.B.consumers’ overcharged for extra fees.C.a flat fee rather than flexible markups.D.dealers’ turn-down for higher rates.

参考答案
十点题库官方参考答案 (由十点题库聘请的专业题库老师提供的解答)
更多“  What would you rather lose: ”相关的问题
约当产量是指月末在 产品的完工程度( )
点击查看答案
如果总体服从正态分布, 总体方差未知, 从总体中抽取容量为 n 的样本, 关于其样本平均数, 以下叙述正确的是( )。
A.其抽样分布服从正态分布
B.其抽样分布服从自由度为 n-1 的 t 分布
C.其抽样分布的平均数为原总体平均数
D.其抽样标准误等于样本标准差的
点击查看答案
在直接承受动力荷载的结构中,部分熔合的对接焊缝:()。
A.不宜采用
B.可以采用
C.当焊缝平行于受力方向时不宜采用
D.当焊缝垂直于受力方向时不宜采用
点击查看答案
为什么要使用活络模?
点击查看答案
《奥林匹克宪章》指出:奥林匹克精神就是()
A.相互理解、友谊、团结和公平竞争
B.相互支持、帮助、团结和公平竞争
C.相互团结、理解、友谊和平等对待
D.相互团结、友谊、理解和平等对待
点击查看答案
产妇,李某,28岁,护士通过与产妇交谈了解,判断出年轻母亲缺乏婴儿喂养的知识和技能,这是患者健康教育程序的()
A.评估教育需求 B.进行教育诊断 C.制定教育计划 D.实施教育计划 E.教育效果评价患者
点击查看答案
所谓DSS应该能够“回答What…If…之类的问题”中的What指的是什么?
点击查看答案
试判断图示电路能否放大交流电压信号(能放大的√;,不能正常放大的画×;)。
点击查看答案
领导干部经济责任审计要与其他常规审计密切结合,区分经济责任。其他方面的常规审计包括()和装备审计。
A.资金管理审计
B.基本建设审计
C.财经法纪审计
D.决算审计
点击查看答案
水分含量测定时,样品烘干后,在烘箱内自然冷却后称重。 ()
点击查看答案
紫外和分光光度计可以用()作色散元件。
A.棱镜 B.凸透镜 C.光栅 D.平面镜
点击查看答案
档案信息管理系统的检索模块主要包括()。
A.执行检索模块B.脱机检索模块C.核心检索模块D.联机检索模块
点击查看答案
下列哪些属于经济发展中政府要提供的公共物品?()
A.实现宏观经济的稳定B.提供经济基础设施C.提供各种公共服务D.提供制度基础设施
点击查看答案
不对称工字钢截面梁的截面形状如图示,该梁在对中和轴的弯矩作用下,图示1~5点中,纵向应力绝对值最大的是哪一点
A..点1
B..点2
C..点4
D..点5
点击查看答案
患者,女,25岁,已婚。闭经4个月,下腹隐痛1周,阴道少量流血3天。妇科检查:宫颈口闭,了宫如孕6周大小,双附件无异常。于停经45天,曾作尿妊娠试验(+)。应首先考虑的是
A.过期流产B.感染性流产C.月经稀发D.先兆流产E.正常妊娠
点击查看答案
客服
TOP