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小雨Rainie · 2022年09月17日

C选项如何理解

NO.PZ2020021601000017

问题如下:

Judith Yoo is a financial sector analyst writing an industry report.

Part of Yoo’s analysis focuses on Company XYZ, a global commercial bank, and its CAMELS rating, risk management practices, and performance.

Yoo turns her attention to Company XYZ’s asset quality using the information in Exhibit 2.

Based only on Exhibit 2, asset composition from 2015 to 2017 indicates:

选项:

A.

declining liquidity.

B.

increasing risk based on the proportion of total loans to total assets.

C.

decreasing risk based on the proportion of investments to total assets.

解释:

A is correct.

Company XYZ’s liquid assets as a percentage of total assets declined each year since 2015, indicating declining liquidity.

老师,按照您在其他同学提问的解答,C选项investment增加risk下降,那从2015 - 2017,investment / total asset是上升的,因此risk下降,所以C选项不是正确的吗?

1 个答案

袁园_品职助教 · 2022年09月18日

嗨,努力学习的PZer你好:


三种资产中风险最低的就是流动性资产,这个是能降低风险的,其他的investment和loans都是增加风险的,其中loans是增加风险最高的。

这道题,流动资产比例是降低的,流动性是降低的,所以A正确;B选项错在前后不一致,loan的比例下降了,基于这个比例下降,应该是降低了风险,而不是增加;C选项,investment比例增加,investment是增加风险的,所以风险应该是上升。

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