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Lily0923 · 2023年11月15日

这个人因为花了大量的精力在别的事上导致被解雇

NO.PZ2023021602000020

问题如下:

Christina Ng, a Level I CFA candidate, defaulted on a bank loan she obtained to pay for her master's degree tuition when her wedding cost more than expected. A micro finance loan company lent her money to pay off the tuition loan in full, including penalties and interest. The micro finance loan company even extended further credit to pay for her parents' outstanding medical bills. Unfortunately, her parents' health problems escalated to the point that Ng had to take extensive time away from work to deal with the issues. She was subsequently fired and consequently defaulted on the second loan. Because she was no longer employed, Ng decided to file for personal bankruptcy. Do the loan defaults leading up to Ng's bankruptcy most likely violate Standard I(D): Misconduct?

选项:

A.No

B.Yes, with regard to the first loan default

C.Yes, with regard to the second loan default

解释:

Although Ng's first loan default, which played a part in the subsequent bankruptcy, is a result of poor financial choices (i.e., paying for higher wedding costs rather than her tuition loan), neither of the loan defaults or the bankruptcy involves fraudulent or deceitful business conduct but rather unfortunate personal circumstances. Therefore, she would most likely not be in violation of Standard I(D): Misconduct.

如题 这不算misconduct吗

1 个答案

王暄_品职助教 · 2023年11月16日

本题中文翻译如下:

一级CFA考生Christina Ng拖欠了她为支付硕士学位学费而获得的银行贷款,当时她的婚礼费用超出了预期。一家小额金融贷款公司借钱给她,全额偿还学费贷款,包括罚款和利息。小额金融贷款公司甚至进一步提供信贷,以支付她父母未付的医疗费用。不幸的是,她的父母的健康问题升级到吴不得不花大量的时间来处理这些问题。她随后被解雇,因此拖欠了第二笔贷款。由于不再受雇,吴决定申请个人破产。导致吴破产的贷款违约很可能违反标准I(D)


不违反Misconduct,因为这属于私生活的内容

只有当欺诈、或者在本职工作中出现了错误行为,才违反Misconduct,这种因为个人的私生活,申请破产,并不为反misconduct

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