discount rate 6%

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NO.PZ202301040900001301

问题如下：

(1) Based on the information provided, discuss ADSE’s risk tolerance.

选项：

解释：

ADSE appears to have above average risk tolerance for the following reasons:

• The plan has a small surplus (8% of plan assets); that is, the plan is overfunded by €8 million.

• The company’s balance sheet is strong (low use of debt).

• The company is profitable despite operating in a cyclical industry.

• The average age of its workforce is low.

请问一般来说题目中出现liability discount rate 6%, 这个这个rate用在liability大概是高的还是低的呢？

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1 个答案

Lucky_品职助教 · 2025年01月14日

嗨，从没放弃的小努力你好：

同学你好：

仅根据题目所给信息，难以直接判定 6% 的liability discount rate 是高还是低。

通常情况下，liability discount rate 的高低判断需要与市场利率环境、同行业类似企业的负债折现率水平等进行比较。如果当前市场利率普遍较高，且同行业企业采用的负债折现率大多高于 6%，那么此处的 6% 可能相对较低；反之，如果市场处于低利率环境，且同行业普遍采用更低的折现率，那么 6% 就可能相对较高。在没有这些额外的比较信息时，不能简单地确定 6% 的负债折现率在绝对意义上是高还是低。

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虽然现在很辛苦，但努力过的感觉真的很好，加油！

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NO.PZ202301040900001301 问题如下 (1) Baseon theinformation provi scuss AE’s risk tolerance. AE appears to have above average risk toleranfor the following reasons:• The plha small surplus (8% of plassets); this, the plis overfun€8 million.• The company’s balansheet is strong (low use of bt).• The company is profitable spite operating in a cyclicinstry.• The average age of its workforis low. AE’s risk toleranis above average. the reasons are following:1.The average age of AE’s workforis 39 years.The ration of the plan’s liabilities (whiare all Europe-base is 20 years. so the investment horizon is long anliquty neeis low anthe risk toleranis high,2.This essentially active-lives plh€100 million in assets an€8 million surplus in relation to the PBO. so the funstatus is overfunanthe risk toleransi high.

2024-02-09 08:34 1 · 回答