A Bank That Is Looking at Your Past Payment Records

question 162

Multiple Choice

A bank that is looking at your past payment records on your loans is most likely examining which aspect of the 5 Cs of lending?

• A)Character
• B)Capacity
• C)Collateral
• D)Capital
• E)Conditions

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Definitions:

Applied Tension Technique

Technique used to treat blood-injection-injury type phobias in which the therapist teaches the client to increase his or her blood pressure and heart rate, thus preventing the client from fainting.

Systematic Sensitization

Systematic Sensitization, perhaps meant to be Systematic Desensitization, is a behavior therapy technique used to reduce anxiety or fear through gradual exposure to the feared object or situation in combination with relaxation exercises.

Cognitive Theorists

Researchers or psychologists who study the mental processes of perception, memory, judgment, and reasoning, and how these processes might influence behavior.

Social Anxiety Disorder

A chronic mental health condition characterized by significant anxiety or fear of social situations, where individuals feel overly concerned about being judged or embarrassed.