Ratings and Classifications of Borrowers Are Determined by the Borrowers

question 39

Multiple Choice

Ratings and classifications of borrowers are determined by the borrowers'

• A)patterns in profits and costs.
• B)leverage ratios.
• C)past debt redemption.
• D)All of the above are correct.

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Definitions:

Heredity

The genetic transmission of traits, characteristics, and diseases from parents to offspring, influencing various aspects of biological and psychological development.

Big Five Factors

A psychological theory that identifies five fundamental aspects of personality: openness, conscientiousness, extraversion, agreeableness, and neuroticism.

Six-Factor Model

A personality framework suggesting the existence of six broad dimensions of human personality traits, expanding beyond the commonly referenced Big Five model.

HEXACO

A model of personality structure that expands on the Big Five traits, including Honesty-Humility, Emotionality, eXtraversion, Agreeableness, Conscientiousness, and Openness to Experience.