不太理解题意-有问必答-品职教育专注CFA ESG FRM CPA 考研等财经培训课程

不太理解题意

NO.PZ2022052301000013

问题如下：

Emerald believes there are significant benefits to incorporating behavioral finance as part of their client assessment process and has recently made changes to this effect.

Benefits of the recent changes to Emerald's client assessment process least likely include:

选项：

closer adherence to client expectations

reducing portfolio risk

improving Emerald's client retention metrics

解释：

Incorporating behavioral finance does not have a direct impact on portfolio risk. In some cases, this approach will help encourage a reduction in portfolio risk, but it may also help other clients to take on more risk as appropriate. Investing as the client expects and improvements to client retention metrics are both benefits of incorporating behavioral finance.

不明白题意，可否释义？

嗨，爱思考的PZer你好：

题目的考点是良好的顾问-客户关系的四个方面，行为金融在这四个方面都可以更加促进顾问和客户之间的关系，对应基础班墨迹版讲义 P131

题目问下列哪个选项，不属于这四个方面

选项 A 说的是可以更好的符合客户的预期，说法正确，对应的是四个方面的第三条：The adviser acts as the client expects，相当于是原文的改写

选项 C 说的是提升顾问的客户留存率指标，说法正确，对应的是四个方面的第四条：Both client and adviser benefit from the relationship，相当于是原文的改写

选项 B 说的是降低组合的风险，说法错误

因为出题人想考查的考生对四个方面第一条的理解：The adviser understands the long-term financial goals and characteristics of the clients，即顾问理解客户的长期财务目标和特点

但是并不是所有的客户的组合，都是需要降低风险的

比如一个工作处在上升期的单身，收入可观，但是所有的钱都买了货币基金，但是又希望能够站在长期取得丰厚的收益

此时顾问的建议，可能是将组合中部分资产，转换为权益类资产

此时对于组合的风险来说，并不是降低，而是升高了；但是却是符合客户的长期财务目标和特点的

老师在基础班中，其实也有通过笔记专门强调哈

----------------------------------------------
努力的时光都是限量版，加油！

不太理解题意

1 个答案

1

4

690

相关问题