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Seeya · 2023年09月28日

老师可以具体解释一下吗?

NO.PZ2022120703000078

问题如下:

When credit investors argue that downside risk is more important than upside risk, they are most likely focused on:

选项:

A.social factors. B.governance factors. C.environmental factors.

解释:

B is correct because "surveys from investors suggest that the G factor remains more important to credit investors than E and S. Credit investors argue this is because downside risk (as in bankruptcy risk and therefore, the chance of losing a credit investor’s entire capital) is more important than any upside or opportunity risk. As G is directly related to preventing downside risk, its direct relevance is easier to trace for credit investors."

A is incorrect because "surveys from investors suggest that the G factor remains more important to credit investors than E and S."

C is incorrect because "surveys from investors suggest that the G factor remains more important to credit investors than E and S."

上行风险/下行风险 和信贷投资者的关系

3 个答案

王岑 · 2024年03月28日

嗨,爱思考的PZer你好:


追求上行风险(upside risk)通常意味着投资者寻求那些有可能带来高于平均预期收益的投资机会。上行风险关注的是投资收益的潜在正面偏离,即投资表现可能比预期更好的情况。确实,股票和某些类型的基金(如股票基金、成长型基金、行业特定基金等)是典型追求上行风险的投资。

股票:

  • 股票被视为追求上行风险的投资,因为它们提供了参与公司成长和盈利能力提高的机会。股票投资者可以通过公司股价上涨和分红获得收益,尤其是那些处于成长阶段或具有创新潜力的公司。股票市场的波动性相对较高,这意味着它们既有较大的上行潜力,也有较高的下行风险。

基金:

  • 基金,特别是那些投资于股票或其他成长型资产的基金,也追求上行风险。例如,成长型基金专注于投资那些预期将快速成长的公司,而不是那些分红较高的公司。这些基金的目标是资本增值,它们通常在牛市(市场上涨时期)中表现较好。
  • 行业特定基金或主题基金,如科技、可再生能源或医疗保健基金,也寻求上行风险,它们投资于特定行业或主题的公司,这些行业或主题可能会因为技术进步、政策支持或市场需求增加而经历快速增长。

虽然股票和基金提供了追求上行风险的机会,投资者在投资这些资产时仍需考虑自身的风险承受能力、投资目标和市场情况。追求高回报的同时,也会伴随着高风险,因此重要的是要进行充分的研究和适当的风险管理。此外,投资组合的多元化也是缓解风险的一个重要策略,可以帮助投资者在追求上行风险的同时保护自己免受极端市场波动的影响。

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137****5179 · 2024年03月22日

那请问老师一般什么投资是追求上行风险?股票和基金吗

王岑 · 2023年09月28日

嗨,爱思考的PZer你好:


当我们讨论投资风险时,上行风险和下行风险是两个关键概念。上行风险指的是投资价值上升的可能性,而下行风险则是投资价值下降的可能性。

信贷投资者通常更关注下行风险,因为他们的主要目标是保护本金并获得固定收入,而非追求资本增值。信贷投资者所投资的通常是债券或其他固定收入工具,这些工具的收益通常较低,但风险也相对较小。当债务人(如公司或政府)出现偿还困难时,信贷投资者面临的主要风险是可能无法收回全部本金,甚至可能面临全部资本损失的风险。

在这种情况下,治理因素(Governance factors,即G因素)变得尤为重要。治理因素包括公司的管理结构、风险管理策略和其他与公司决策和运营相关的因素。良好的治理可以降低企业出现财务困难的风险,从而保护信贷投资者的利益。因此,对于信贷投资者而言,治理因素直接关系到他们面临的下行风险,因此通常被视为比环境因素(E因素)和社会因素(S因素)更为重要。

例如,一家公司如果治理结构强大,决策透明,并且有有效的风险管理策略,即使面临市场变动或其他不利条件,也更可能保持财务稳健,避免违约,从而降低了信贷投资者的下行风险。

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