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金融民工阿聪 · 2021年03月20日

Specific provision和general provision

  1. FRM II
  2. Basel Accord

NO.PZ2016072602000046

问题如下：

Consider the following financial data for a bank, in millions of dollars: shareholders5 funds: 627.4; retained earnings: 65.6; undisclosed reserves: 33.5; goodwill: 21.3; subordinated debt: 180.0; specific provisions: 11.7. The ratio of tier 2 to tier 1 capital is:

选项：

A.

30.81%

B.

31.78%

C.

33.53%

D.

34.03%

解释：

B is correct. Tier 1 capital consists of shareholders5 funds plus retained earnings, minus good-will, which is 671.7. Tier 2 capital consists of subordinated debt plus undisclosed reserves, or 213.5. The ratio is 31.78%. Specific provisions cannot be included in risk capital, because they are likely to be absorbed by specific bad loans.

General是可以算作2级资本的，用来抵抗UL的，Specific是只能用来抵抗提前约定好的特殊loss的，是这样吗

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1 个答案

品职答疑小助手雍 · 2021年03月20日

嗨，从没放弃的小努力你好：


对的。

----------------------------------------------
努力的时光都是限量版，加油！

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