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月亮莉莉 · 2024年06月15日

解释题目和选项

  1. ESG
  2. The ESG market

NO.PZ2022071601000015

问题如下：

What is the least likely reason why a pension fund trustee may consider ESG investing?

选项：

A.Pension fund trustees should act in the interest, including non-financial interests, of pension fund members; and the members have voiced their interest in social and environmental impact

B.Pension fund trustees have the fiduciary duty to consider factors that are financially material to the long-term returns of the pension fund

C.Pension fund trustees risk legal action by not managing climate change-related risks

D.Pension fund trustees are the ultimate beneficiaries of pension funds and, as a result, should act in their interest

解释：

A，B，C选项均正确。

D选项说Trustees是最终受益人，这个说法错误，Pension Fund最终受益人是雇员，也就是参加pension fund的members，所以是错误的，那么正确选项就是D选项。

解释题目和选项、没看懂

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1 个答案

Carol文_品职助教 · 2024年06月17日

嗨，努力学习的PZer你好：


题目是在询问，哪一个选项最不可能是养老金基金受托人考虑ESG（环境、社会和治理）投资的原因。我们需要分析每个选项，并找出最不可能的原因。

选项分析：

A. Pension fund trustees should act in the interest, including non-financial interests, of pension fund members; and the members have voiced their interest in social and environmental impact.

解释：养老金基金受托人应当考虑基金成员的利益，包括非金融利益。如果基金成员表达了对社会和环境影响的兴趣，受托人就有理由考虑ESG投资。这个选项正确，因为受托人有义务回应成员的诉求。

B. Pension fund trustees have the fiduciary duty to consider factors that are financially material to the long-term returns of the pension fund.

解释：养老金基金受托人有信托责任，需要考虑对养老金长期收益有财务影响的因素。ESG因素被认为对长期财务表现有重要影响，因此受托人有理由考虑ESG投资。这个选项正确，因为它符合受托人的信托责任。

C. Pension fund trustees risk legal action by not managing climate change-related risks.

解释：如果养老金基金受托人不管理与气候变化相关的风险，可能会面临法律诉讼。气候变化风险被认为是重要的财务风险之一，所以受托人有理由考虑ESG投资。这个选项正确，因为它强调了法律和风险管理的必要性。

D. Pension fund trustees are the ultimate beneficiaries of pension funds and, as a result, should act in their interest.

解释：这个选项说受托人是养老金基金的最终受益人，因此应该按照自己的利益行事。这是错误的，因为养老金基金的最终受益人是参与养老金计划的成员，即员工，而不是受托人。受托人的职责是代表基金成员的利益行事，而不是他们自己的利益。

结论：

最不可能的原因是选项D，因为受托人不是养老金基金的最终受益人，基金成员才是。因此，受托人不应按照自己的利益行事，而应代表成员的利益行事。

受托人的主要职责是受托人的职责是以基金成员的最大利益为重，谨慎管理和监督养老金基金的资产与风险，确保其长期健康和稳定，同时保持透明和合规。


正确选项是：D

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