问一道题：NO.PZ2019011002000006 [ CFA II ]

NO.PZ2019011002000006问题如下 Tim anWang are two junior cret analysts in a wealth management firm. They are estimating the probability of fault of a set of bon. To estimate the probability of fault they cuse two mols, the structurmol anthe receform mol. Wang believes receform mol is better ththe structurmol. He ma the following reasons: Reason 1: Structurmols require \"insi information\" best known to the managers of the company, whereReceform mols are baseonly on observable variables. Reason 2: Receform mols cexplain the economic reasons for fault. Reason 3: Having been velopein 1990s, receform mols are more morn, while the structurmols are out-of-te it wvelopein 1970s. Accorng to the information above, whireason is correct? Reason 1 is correct. Reason 2 is correct. Reason 3 is correct. A is correct.考点考察Receform mol与Structurmol的对比解析Reason 1是正确的，Structurmol适合于公司内部使用，因为要应用到公司的内部数据，而对于Receform mol，模型使用的数据可以从市场获得；Reason 2是Structurmol的特点；Reason 3虽然陈述了事实，但是不构成推荐使用Receform mol的原因。两个Mol各有优缺点，事实上现在Structurmol仍被广泛使用。B ，回归分析里面也是用到了宏观数据的啊？为啥说不能呢？