Banks might be more efficient than individual lenders due to
A) returns to scale.
B) their access to the stock market.
C) increasing returns on capital.
D) all of the above.

Question

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The Answer of Banks might be more efficient than individual lenders due to
A) returns to scale.
B) their access to the stock market.
C) increasing returns on capital.
D) all of the above.

Banks Might Be More Efficient Than Individual Lenders Due to