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daiwin18 · 2021年09月18日

关于B和C答案的疑问

NO.PZ2020021601000017

问题如下:

Judith Yoo is a financial sector analyst writing an industry report.

Part of Yoo’s analysis focuses on Company XYZ, a global commercial bank, and its CAMELS rating, risk management practices, and performance.

Yoo turns her attention to Company XYZ’s asset quality using the information in Exhibit 2.

Based only on Exhibit 2, asset composition from 2015 to 2017 indicates:

选项:

A.

declining liquidity.

B.

increasing risk based on the proportion of total loans to total assets.

C.

decreasing risk based on the proportion of investments to total assets.

解释:

A is correct.

Company XYZ’s liquid assets as a percentage of total assets declined each year since 2015, indicating declining liquidity.

loan比例上升,那investment比例就应下降,这个对earning结构更稳定,风险应该下降吧?同理,loan比例下降,那么风险上升?

2 个答案

纠纠_品职答疑助手 · 2021年09月23日

嗨,爱思考的PZer你好:


题目的意思是loan 上升,loan 所对应的风险也上升。 Investment 上升,Investment 承担的风险也上升。loan下降,loan所对应的风险下降。Investment下降Investment对应的风险也下降。

你的理解是:我的资金要么是去放在Loan,要么是放在Investment,那么Loan上升了,Investment下降,我把风险低的资金挪到了风险高的资金,总风险上升对吧?如果你是这么理解的话,就这个假设,你对知识点的理解没有太大的问题。


但是原版书出题的初衷和同学的理解不一样,所以答案也不一样。

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纠纠_品职答疑助手 · 2021年09月21日

嗨,爱思考的PZer你好:


B的意思是说total loan给我们带来的风险是增加的。但是我们发现2017年的时候total loan是49.6%,但是2016年是50.3%,所以loan的比例是下降的,风险应该是减少的。所以B不对

C的意思是说Investment给我们带来的风险是降低的。但是我们发现2017年的时候total loan是22.5%,但是2016年是20.4%,所以investment比例上升的,风险应该加大。所以C不对。


这道题目是一道原版书课后题,从书后给出的答案,我们发现,它考的点是在单一的判断某个资产对风险的的贡献,而不是考虑两者的组合。

如果按照同学的理解mix的理解,那么loan的比例下降风险是应该上升,也没什么问题。

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努力的时光都是限量版,加油!

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2024-03-08 21:57 4 · 回答

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2022-09-17 17:55 1 · 回答

NO.PZ2020021601000017 totliquty asset 的金额不是增加了么,那么流动性风险应该降低才对,所以A错误了

2022-01-27 13:29 1 · 回答

NO.PZ2020021601000017 老师能不能一下B和C为什么不对呢?答案里面只有A的。BC还是不太理解。

2021-05-22 21:51 2 · 回答