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).

• 类似拉詹的说法，安田的文章强调了银行同客户已经建立起来的信息优势，其优势在于当银行向有着贷款业务关系的客户提供承保业务时，花费要减少很多。