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410140980 · 2023年07月17日

extrapolation analysis.

NO.PZ2020033003000003

问题如下:

Aaron is a loan officer in Bank A. He is asked to make several commercial loans to meet his sales goal. In the town, there is a very famous entrepreneur named Adolph. Adolph has a huge car factory and is preparing for the development of new energy vehicles. Everyone in town knows Adolph is a representative of wealth. Aaron makes a meeting with Adolph, and persuades Adolph to sign the loan application from Bank A. He takes the loan application back, and convinced the credit committee to approve the loans, because all the town’s financial institution are trying to give Adolph, a super high-quality credit customer, credit loan based on his reputation. This special technique of credit analysis can be classified as

选项:

A.

historical analysis.

B.

qualitative analysis.

C.

quantitative analysis.

D.

extrapolation analysis.

解释:

B is correct.

考点:qualitative and quantitative technique的比较

解析:题目中描述的是name lending,这种情况下借款人依靠声誉就可以从银行贷款,而不需要财务分析。

老师这道题的extrapolation analysis.也属于定性分析吗?这个分析方法具体是指什么?从过去推断未来?

1 个答案

Lucky_品职助教 · 2023年07月18日

嗨,努力学习的PZer你好:


extrapolation analysis(外推分析)通常与定性分析并不直接相关。它是一种定量分析方法,用于通过观察历史数据和趋势来预测未来的情况。在金融领域,外推分析经常用于预测股票价格、市场趋势、销售额等变量。

外推分析基于这样的假设:过去的数据和趋势可以作为预测未来的依据。根据已有的数据点,在数学和统计模型的基础上,通过进行数值计算或数学公式的运算,可以得出未来可能的数值范围或趋势走向。

虽然外推分析包含定量元素,但它主要关注的是趋势和模式的推断,而非人的主观判断或基于声誉的评估,因此它与本题中描述的名字借贷(name lending)情况不太相关。

在本题中,正确的分类应该是定性分析(qualitative analysis),因为银行批准贷款的依据是借款人的声誉和信誉,而不是基于对财务数据的定量分析。

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