Their capital at stake is large, and they keep the loan on their balance sheet as an asset, thus internalizing all the costs and benefits associated with the loan (Macey, 2000).
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- 類(lèi)似拉詹的說(shuō)法，安田的文章強調了銀行同客戶(hù)已經(jīng)建立起來(lái)的信息優(yōu)勢，其優(yōu)勢在于當銀行向有著(zhù)貸款業(yè)務(wù)關(guān)系的客戶(hù)提供承保業(yè)務(wù)時(shí)，花費要減少很多。
