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frm二级过过过! · 2023年10月29日

C怎么理解,大额存单这些也可以用于短期吗?

NO.PZ2020042003000113

问题如下:

When considering non-deposit funding sources, which of the following is NOT correct?

选项:

A.

Federal funds is among the cheapest short-term borrowed funds

B.

The key advantage of Fed funds is their ready availability through a simple phone call or online computer request.

C.

CD and commercial paper borrowings are usually better for longer-term funding needs that stretch over several days or weeks

D.

Another key advantage of Federal funds is their stable market interest rate.

解释:

考点:对Managing Non-deposit Liabilities的理解

答案:D

解析:

选项D错误。Federal funds没有选项D描述的优点,相反,Federal funds的确定就是利率波动较大:The key disadvantage is their volatile market interest rate—its wide fluctuations that make planning difficult.

When considering non-deposit funding sources, which of the following is NOT correct?

您的回答C, 正确答案是: D

A

Federal funds is among the cheapest short-term borrowed funds

B

The key advantage of Fed funds is their ready availability through a simple phone call or online computer request.

C

不正确CD and commercial paper borrowings are usually better for longer-term funding needs that stretch over several days or weeks

D

Another key advantage of Federal funds is their stable market interest rate.


C怎么理解,大额存单这些也可以用于短期吗?C这些提到的应该不是短期的吧?

1 个答案

DD仔_品职助教 · 2023年10月31日

嗨,从没放弃的小努力你好:


同学你好,

C是正确的,CD和commercial paper是可以通过滚动来提供长期融资的,现实生活中也确实有不少银行是这么做的。

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努力的时光都是限量版,加油!

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