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LHY · 2020年07月26日

问一道题:NO.PZ2019052001000070

问题如下:

The financial tsunami of 2007-2009 swept the world. One of its roots is that the bubble in American real estate has finally shattered. In the RMBS valuation and risk models, there are two key assumptions about the the real estate market that led to the bursting of the bubble. What are the two key assumptions?

选项:

A.

The future housing prices will likely fall; no matter how big the real estate problems, the government will always provide help to the market.

B.

Future housing prices will never fall; the correlation between housing prices in different regions is high.

C.

House prices will continue to rise in the future and the correlation between housing prices in different regions is very low.

D.

House prices will soar. Even if something goes wrong, the bank can get through the difficulties through mature financial markets.

解释:

C is correct.

考点:次贷危机中房地产市场的两个假设

解析:在次贷危机中,房地产市场的两个假设是:1、房价会一直涨上去。2、不同地区之间,房地产市场的相关性会很低。这两个假设都是错的,最后导致了席卷全球的金融危机。

two key assumptions about the the real estate market that led to the bursting of the bubble

所以这里burst指的是to be filled to the breaking point的意思,而不是破裂?

因为答案对应的问题是为啥这么多泡沫

1 个答案

袁园_品职助教 · 2020年07月27日

同学你好!

是房地产泡沫破裂的意思啊,答案也是讲了两个错误的假设,导致了房地产的崩盘