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Stella · 2024年06月29日

对应考点有原版书的句子么

NO.PZ2021090805000019

问题如下:

Financial industry enthusiasts John and Bourne discussed the difference between managing institutional portfolios and managing personal portfolios. The following points were proposed:

1. Governance and decision-making processes are more focused on individual investors.

2. The regulatory environment for institutional investors and individual investors often differs.

3.After all, securities are securities, so asset selection is a skill that can easily be transferred from institutional investment portfolios to individual investment portfolios.

Which point is the most inaccurate about personal and institutional wealth management? The key points are:

选项:

A.

asset selection.

B.

the regulatory framework.

C.

governance and decision making.

解释:

A is correct. Compared to institutions, asset allocation and selection are much more difficult when managing individual investment portfolios. Wealth management for individuals must consider such constraints as time horizon, scale, taxation, and unique circumstances, such as preferred or restricted holdings of securities, all of which may interfere with the optimization of investors' investment portfolios. This situation is less likely to occur in the institutional environment.

B is not correct. The regulatory framework for institutional investors and individual investors is often vastly different. In some countries, there are different bodies dealing with each sector.

C is incorrect. Governance and decision-making processes are more focused on individual investors; Investment policy statements are the main governance structure, and wealth managers are usually given discretionary power to execute and report matters. Institutional governance is much more formal, and investment strategies and supervision are carried out by one or more layers of committees.

A是正确的。与机构相比,在管理个人投资组合时,资产配置和选择要困难得多。个人财富管理必须考虑时间范围、规模、税收和独特情况等限制因素,例如优先或限制持有的证券,所有这些都可能干扰投资者投资组合的优化。这种情况在机构环境中发生的可能性较小。

B不正确。机构投资者和个人投资者的监管框架通常大不相同。在一些国家,每个部门都有不同的机构处理。

C不正确。治理和决策过程更加集中于个人投资者;投资政策声明是主要的治理结构,财富管理人通常被赋予执行和报告事项的自由裁量权。机构治理要正式得多,投资战略和监督由一层或多层委员会执行。

对于第一句话理解的是个人投资者更注重governance,纯粹是基于语言的问题。。想看看原版书的句子是否是这样,否则建议改一下句子,容易引起理解歧义。

1 个答案

王暄_品职助教 · 2024年06月29日

您看一下红框部分,就是对decision making的解释,分别介绍了针对机构投资者和个人投资者的区别,本题是根据这段出的


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