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记得好好学习 · 2024年01月16日

解释A选项

  1. ESG
  2. The ESG market

NO.PZ2022120703000012

问题如下：

Which of the following groupings are best described as asset owners in the financial system value chain?

选项：

A.Fund managers, endowments and banks

B.Pension funds, insurance companies and foundations

C.Sovereign wealth funds, family offices and investment consultants

解释：

B is correct because asset owners include "pension funds, insurers, banks, sovereign wealth funds, foundations, endowments, family offices, individuals."

A is incorrect because asset managers "act as agent on behalf of clients (asset owners)" and are differentiated from asset owners in the value chain. "The main stakeholders are: Asset owners … Asset managers."

C is incorrect because investment consultants are intermediaries and act between asset owners and asset managers in the value chain by "providing investment advice" , and therefore represent their own category. Also, "the main stakeholders are: Asset owners … Asset managers … Fund promoters." Since asset consultants are fund promoters, they are not part of the asset owner group.

请详细说明A选项各个组织所属的类型，谢谢

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2 个答案

Tina_品职助教 · 2024年01月17日

嗨，爱思考的PZer你好：


选项A中提到的组织类型有：

  1. 基金经理 (Fund Managers) - 基金经理属于资产管理者的范畴。他们代表客户（即资产所有者）管理投资，并作出资产配置决策。基金经理通常被视为金融系统价值链中的代理人，而不是资产所有者。
  2. 捐赠基金 (Endowments) - 捐赠基金是特定类型的资产所有者。它们通常与教育机构（如大学）或其他非营利组织关联，旨在维持长期的资产基础，以支持组织的使命和活动。因此，在金融系统价值链中，它们被归类为资产所有者。
  3. 银行 (Banks) - 银行的角色在金融系统中比较复杂。虽然它们可能拥有和管理资产，但通常不被直接视为传统意义上的资产所有者。银行更多地充当金融中介，提供贷款、接受存款和其他金融服务。在某些情况下，银行可能通过其财富管理部门或投资部门扮演资产管理者的角色。

综上所述，选项A中的“基金经理”不符合资产所有者的定义，而是资产管理者。捐赠基金确实是资产所有者的一种，而银行的角色更倾向于金融中介和资产管理者，而不是直接的资产所有者。因此，选项A在描述金融系统价值链中的“资产所有者”时是不正确的。

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努力的时光都是限量版，加油！

铖铖铖成 · 2024年01月16日

基金经理、捐赠基金和银行

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