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𝒜𝒩𝒥𝒜 安雅🎃 · 2023年08月22日

求解释A选项predefined times and terms

NO.PZ2020042003000056

问题如下:

Which of the following statements about liquidity option is NOT correct?

选项:

A.

liquidity option is the right of a holder to receive cash from, or to give cash to, the bank at predefined times and terms.

B.

Standard options are exercised when there is a profit. A liquidity option is exercised because of the cash flows produced after exercise.

C.

Exercising a liquidity option can only cause cash flows from bank to the clients.

D.

Examples of liquidity option include: the committed credit line a bank offers and the sight and saving deposits.

解释:

考点:对Liquidity Options的理解

答案:C

解析:

选项C错误,Liquidity option产生的现金流既有可能是从银行到客户,也有可能是从客户到银行。

当客户“行权”时,例如当客户提前还款时,现金流是从客户手里到银行。

银行给客户授予一定额度的committed credit lines,当客户“行权”时,可从银行提取贷款。因为Liquidity option的行权,存在两个方向的现金流。



liquidity option可以是"不知道何时客户会提前还款给银行",也可以是"不知道何时客户会从银行那提取信贷额度"。所以,这时间是不确定的,那跟A选项说的predefined times是否相悖?

1 个答案

DD仔_品职助教 · 2023年08月24日

嗨,努力学习的PZer你好:


同学你好,

option意味着比定期存款有额外的权利,定期存款到期了你一定要去取钱,而option可以让你选择继续在里面存着,所以这个predefined指的是期初定的那个时间与期限。所以不相悖的

----------------------------------------------
虽然现在很辛苦,但努力过的感觉真的很好,加油!

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