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Kiyo · 2023年07月03日

这题也很牵强，对于bank来说，三个都是要求的，不能说对保险公司来说不需要 net stable funding ratios就选b吧。。

  1. CFA III
  2. 机构IPS

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NO.PZ202206210200000203

问题如下：

Which of Pure Mobilebank’s external constraints would least likely apply to the portfolio of a life insurance company?

选项：

A.Constraint I B.Constraint II C.Constraint III

解释：

SB is correct. Both a bank and a life insurance company will have reporting and transparency requirements, and a life insurance company’s portfolio will have a mix of investments to meet policyholder claims that may arise on both a short-term and a long-term basis, as well as statutory accounting requirements. However, net stable funding ratios are a mandated liquidity requirement for banks, not life insurance compaB is correct. Both a bank and a life insurance company will have reporting and transparency requirements, and a life insurance company’s portfolio will have a mix of investments to meet policyholder claims that may arise on both a short-term and a long-term basis, as well as statutory accounting requirements. However, net stable funding ratios are a mandated liquidity requirement for banks, not life insurance companies.

B is correct. Both a bank and a life insurance company will have reporting and transparency requirements, and a life insurance company’s portfolio will have a mix of investments to meet policyholder claims that may arise on both a short-term and a long-term basis, as well as statutory accounting requirements. However, net stable funding ratios are a mandated liquidity requirement for banks, not life insurance companies.

A is incorrect. Both banks and life insurance companies have reporting and transparency requirements.

C is incorrect. Both banks and life insurance companies are subject to versions of statutory accounting.

这题也很牵强，对于bank来说，三个都是要求的，不能说对保险公司来说不需要 net stable funding ratios就选b吧。。

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1 个答案

lynn_品职助教 · 2023年07月04日

嗨，从没放弃的小努力你好：


只能使用排除法啦，这个是官网的practice 题目，出得本来就不好，没有经过打磨。


Constraint II: 需要投资在高质量、流动性好的债券上，保证 Net stable funding ratio。


除了，Net stable funding ratio 这点是对银行的要求，并非是对保险公司的要求。因此 Constraint II只适用于银行，并不适用于保险公司。


之外保险公司在进行投资时，并非完全要投资在高质量、流动性好的资产上，保险公司可以投资高收益、流动性较差的产品。基于这点，ConstraintII 的描述也不适用于 Insurer。

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