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mosquito三颗猫 · 2022年04月23日

请问是否保险理赔后的金额都不算financial capital？

  1. CFA III
  2. 个人IPS

* 问题详情，请 查看题干

NO.PZ201704060100000307

问题如下：

Based on Exhibit 1, and meeting the Barksdales’ target equity allocation for total economic wealth, the financial capital equity allocation should be closest to:

选项：

A.

35.0%.

B.

54.5%.

C.

56.1%.

解释：

C is correct.

The equity allocation of the Barksdale’s financial capital is calculated as follows:

Total economic wealth = Human capital + Financial capital = $2,900,000 +$900,000 = $3,800,000.

Target equity allocation of total economic wealth = $3,800,000 × 40% =$1,520,000

Human capital equity allocation = $2,900,000 × 35% = $1,015,000 Financial capital equity allocation = $1,520,000 – $1,015,000 = $505,000

%Financial capital equity allocation = Financial equity allocation/Total financial capital= $505,000/$900,000 = 0.5611, or 56.1%

请问是否保险理赔后的金额都不算financial capital？

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1 个答案

王暄_品职助教 · 2022年04月23日

不算，因为那是人死了才有的，现在肯定不能把那个也算进financial capital里

铜锣卫门001 · 2023年03月22日

寿险理赔严格说算human capital?不过因为理赔概率的问题，很难算现值

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