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tristabo · 2025年02月14日

loan loss provision为什么属于tier 2

  1. FRM II
  2. Basel Accord

NO.PZ2019070901000101

问题如下：

Which of the following would be included in Tier 2 capital ？

选项：

A.

debt subordinated to depositors with an original maturity of 10 years, cumulative preferred stock and loan loss provision.

B.

both debt subordinated to depositors with an original maturity of 3 years and cumulative preferred stock

C.

debt subordinated to depositors with an original maturity of 10 years and cumulative preferred stock but not loan loss provision.

D.

all the above are incorrect.

解释：

A is correct.

考点：Tier 2 capital

解析：2级资本又称gone concern capital，累计优先股，5年以上的次级债和损失准备金都属于2级资本。

Loan loss provision不是specific provision吗？而tier2里是general provision

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1 个答案

李坏_品职助教 · 2025年02月14日

嗨，努力学习的PZer你好：


从讲义或者FRM教材的讲述来看，loan loss provision是算在Tier 2 capital里面的。

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努力的时光都是限量版，加油！

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