HC at RISK

问题如下：

Exhibit 1

From Exhibit 1, the individual who has the greatest amount of human capital at risk is:

选项：

A.

Johnson

B.

Tom

C.

Mary

解释：

A is correct. Human capital refers to the net present value of an individual's expected future labor income, weighted by the probability of survival to each future age. According to social survey publications, Johnson is the healthcare industry with the highest income, the youngest, and the longest source of future income. Therefore, if the stream is not realized, he is most likely to have the highest human capital and suffer the greatest losses.

B is not correct. Although Tom is one of the highest earning healthcare industries, if he retires in two years as planned, he has almost no human capital. His total wealth may be high, as over time, his human capital is monetized and financial assets continue to accumulate.

C is incorrect. Mary's income nature may be much lower than Johnson's: Johnson is the highest earning medical major, while Mary is a medical technician. In addition, the duration of Mary's employment income stream may also be much shorter: if she and Tom both retire at the age of 65, he only has 14 years of working experience left, while Johnson only has 34 years.

A是正确的。人力资本是指个人预期未来劳动收入的净现值，根据每个未来年龄的生存概率加权。根据社会调查出版物，约翰逊是收入最高、最年轻、未来收入来源最长的医疗保健行业。因此，如果流没有实现，他最有可能拥有最高的人力资本，遭受最大的损失。

B不正确。尽管汤姆是收入最高的医疗保健行业之一，但如果他按计划在两年后退休，他几乎没有人力资本。随着时间的推移，他的人力资本货币化，金融资产不断积累，他的总财富可能很高。

C不正确。玛丽的收入性质可能比约翰逊低得多：约翰逊是收入最高的医学专业，而玛丽是一名医疗技术员。此外，玛丽的就业收入流持续时间也可能短得多：如果她和汤姆都在65岁退休，他只剩下14年的工作经验，而约翰逊只有34年。