开发者:上海品职教育科技有限公司 隐私政策详情

应用版本:4.2.11(IOS)|3.2.5(安卓)APP下载

vivian_zm · 2020年06月08日

问一道题:NO.PZ2020042003000076

问题如下:

The following statements are about the key health measures of a CFP framework, which of the following statements is NOT correct?

选项:

A.

Projected net funding requirements to current unused funding capacity: assess the bank’s future lending obligations to the total funds available.

B.

Funding maturity profile: Large concentrations in funding maturities can threaten an institution’s liquidity position, particularly concentration in short-term funding.

C.

Overnight borrowings to total assets: The use of this volatile source of funding can expose the institution to increased liquidity risk.

D.

Short-term liabilities to total assets: the funding will need to be repaid within a predetermined short-term time period to support the institution’s assets.

解释:

考点:对Contingency Funding Planning-Framework and Building Blocks的理解

答案:D

解析:

D选项描述错误,Short-term liabilities to total assets是衡量要在短期内Roll overFunding,不是Repaid。关于D选项正确的表述为:

Short-term liabilities to total assets: the funding will need to be rolled over within a predetermined short-term time period to support the institution’s assets.

Projected net funding requirements to current unused funding capacity: assess the bank’s future lending obligations to the total funds available.

请问为什么A选项是正确的?净筹资需求/目前未使用的融资能力,应该是liquidity缺口和可用资金的比例呀,为啥是future lending obligations,这个lending obligation不应该是unused commitment吗

2 个答案
已采纳答案

品职答疑小助手雍 · 2020年06月09日

我觉得不是目前的融资需求吧,projected,是银行根据目前的业务规模估计的为来一定时间内的资金需求。

A选项的描述基本算是原版书的原话

品职答疑小助手雍 · 2020年06月08日

嗨,爱思考的PZer你好:


银行给企业的授信范围里的unused commitment,企业需要的时候来提钱,是属于银行的future lending obligation的一部分的。

lending 和banking业务活动中所需的钱比上银行的流动性来源用来衡量流动性是否健康没毛病啊~


-------------------------------
虽然现在很辛苦,但努力过的感觉真的很好,加油!


vivian_zm · 2020年06月08日

我理解Projected net funding requirements应该就是银行目前的筹资需求,而future lending obligation,unused commitment是未来潜在的obligation,这也算在Projected net funding requirements里吗?

  • 2

    回答
  • 0

    关注
  • 468

    浏览
相关问题

NO.PZ2020042003000076 问题如下 The following statements are about the keyhealth measures of a CFP framework, whiof the following statements is NOTcorrect? Projectenet funng requirements to currentunusefunng capacity: assess the bank’s future lenng obligations to thetotfun available. Funng maturity profile:Large concentrations in funng maturities cthreaten institution’sliquity position, particularly concentration in short-term funng. Overnight borrowings to totalassets: The use of this volatile sourof funng cexpose the institutionto increaseliquity risk. Short-term liabilities to totassets: thefunng will neeto repaiwithin a pretermineshort-term time periotosupport the institution’s assets. 考点对ContingenFunng Planning-FrameworkanBuilng Blocks的理解答案析述错误,Short-termliabilities to totassets是衡量要在短期内Roll over的Funng,不是Repai关于确的表述为Short-term liabilities to totassets: thefunng will neeto rolleover within a pretermineshort-term timeperioto support the institution’s assets. Short-term liabilitie 是要短期内repai呀,一定要表述成roll over吗

2023-08-01 16:58 1 · 回答

NO.PZ2020042003000076 1、net-funng-requirements的fun应的是客户的funng对吗 2、然后current unusefunng capacity是指银行自己的funng对吗,两者fun主体不同?

2021-05-03 11:32 1 · 回答

A这句话是什么意思呢

2020-11-07 18:20 1 · 回答

Funng maturity profile:Large concentrations in funng maturities cthreaten institution’sliquity position, particularly concentration in short-term funng. Overnight borrowings to totalassets: The use of this volatile sourof funng cexpose the institutionto increaseliquity risk. Short-term liabilities to totassets: thefunng will neeto repaiwithin a pretermineshort-term time periotosupport the institution’s assets. 考点对ContingenFunng Planning-FrameworkanBuilng Blocks的理解 答案解析 述错误,Short-termliabilities to totassets是衡量要在短期内Roll over的Funng,不是Repai关于确的表述为 Short-term liabilities to totassets: thefunng will neeto rolleover within a pretermineshort-term timeperioto support the institution’s assets. 请问C在讲义哪一页有讲到

2020-10-25 16:11 1 · 回答

这个是在S8里的哪个PPt的内容啊,做错了好几次了这个题

2020-10-12 22:32 1 · 回答