请问liquid funds是指什么？

问题如下：

The following statements are about the structure of funds approach in estimating liquidity needs. Which of the following statements is wrong?

选项：

A.

In this approach, deposits and other funds sources are divided into categories based upon their estimated probability of being withdrawn

B.

In this approach liquidity manager set aside liquid funds equally for hot money, vulnerable funds and core liabilities.

C.

“Hot money” liabilities: deposits are very interest sensitive

D.

core deposits/liabilities are considered unlikely removed

解释：

考点：对Liquidity and Reserves Management: Strategies and Policies-Estimating Liquidity Needs的理解

答案：B

解析：

选项B错误。在the structure of funds approach方法中，首先是根据可能被提取的概率对Deposits and other funds进行分类，分为Hot money, vulnerable funds and stable funds，再此基础上，为不同类别的Deposit留有不同的Liquid funds。例如95% liquid reserve for hot money (less any required legal reserves), 30% for vulnerable funds, 15% for core liabilities).