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Stella · 2024年06月26日

不选a似乎和No.PZ202206210200000101这道题矛盾了

  1. CFA III
  2. 机构IPS

* 问题详情，请 查看题干

NO.PZ202206210200000203

问题如下：

Which of Pure Mobilebank’s external constraints would least likely apply to the portfolio of a life insurance company?

选项：

A.Constraint I B.Constraint II C.Constraint III

解释：

SB is correct. Both a bank and a life insurance company will have reporting and transparency requirements, and a life insurance company’s portfolio will have a mix of investments to meet policyholder claims that may arise on both a short-term and a long-term basis, as well as statutory accounting requirements. However, net stable funding ratios are a mandated liquidity requirement for banks, not life insurance compaB is correct. Both a bank and a life insurance company will have reporting and transparency requirements, and a life insurance company’s portfolio will have a mix of investments to meet policyholder claims that may arise on both a short-term and a long-term basis, as well as statutory accounting requirements. However, net stable funding ratios are a mandated liquidity requirement for banks, not life insurance companies.

B is correct. Both a bank and a life insurance company will have reporting and transparency requirements, and a life insurance company’s portfolio will have a mix of investments to meet policyholder claims that may arise on both a short-term and a long-term basis, as well as statutory accounting requirements. However, net stable funding ratios are a mandated liquidity requirement for banks, not life insurance companies.

A is incorrect. Both banks and life insurance companies have reporting and transparency requirements.

C is incorrect. Both banks and life insurance companies are subject to versions of statutory accounting.

因为是不同的主体，所以实用的监管政策是不一样的，No.PZ202206210200000101这道题的答案是这么解析的，但是本题又是另外一种说法，到底以哪个为主。

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1 个答案

lynn_品职助教 · 2024年06月28日

嗨，爱思考的PZer你好：


只能使用排除法啦，这个是官网的practice 题目，出得本来就不好，没有经过打磨。但是这一点上两道题是相同的，即不同主体监管要求是不同的，我们国家也是啊，银行和保险监管要求相似，但是有不同。


101的C选项的Regulatory requirements会影响，因为目标客户这几个机构客户有不同的监管要求，目标客户的监管不一定允许投Brown家的产品。因此从监管要求看，Browne有可能吸引不到目标客户。


而我们这道题Constraints I: 关于 Reporting 与 Transparency 的要求。银行与保险公司都有 Reporting 与Transparency 的要求，因此 Constraint I 适用于银行与保险公司。


Constraint II: 需要投资在高质量、流动性好的债券上，保证 Net stable funding ratio。

其中，Net stable funding ratio 这点是对银行的要求，并非是对保险公司的要求。因此 Constraint II只适用于银行，并不适用于保险公司。

另外保险公司在进行投资时，并非完全要投资在高质量、流动性好的资产上，保险公司可以投资高收益、流动性较差的产品。基于这点，ConstraintII 的描述也不适用于 Insurer。




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2023-08-10 17:32 1 · 回答

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