问题如下:
The recent economic slowdown has pushed up unemployment, Jacques fears of losing his job. Regarding to his concern, which of following statement is most likely correct?
选项: Only human capital is on risk.
Only financial capital is on risk.
C.Both human and financial capitals are affected.
解释:
C is correct.
考点: Human capital
解析:整体经济放缓增加了Jacques失业的可能性,这表明他可能会面临收入不确定的风险。如果Jacques真的失业了,他的Human capital将因未来收入的损失和养老金收益的停止而大幅减少。在Jacques重新找到工作之前,他需要出售金融资产来应对收入的损失以及生活上的必要开支,因此他的financial capital也会受到影响。
答案解释是HC因未来收入和养老金减少而减少,FC因出售金融资产而减少
答案将养老金归在HC里是因为指的是unvested pension吗
unvested pension 就没考虑了是吗?