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花卷喵 · 2023年08月10日

net stable funding ratio

  1. CFA III
  2. 机构IPS

* 问题详情，请 查看题干

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.

这个知识点在哪里啊？

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1 个答案

lynn_品职助教 · 2023年08月11日

嗨，爱思考的PZer你好：


这道题考查的是银行与保险公司的 Constraints。知识点在constraints那章，并不是重点。


这道题问我们，适用于这家银行的 Constraints 中，最不可能适用于 Life insurer 的是哪一条。


相关的题干信息如下:

• Constraint I. Reporting and transparency requirements

• Constraint II. Investing in higher-quality, liquid securities in order to meet net stable funding ratio

• Constraint III. The need for balance sheet comprehensive income accounts mandated by statutory accounting rules”


Constraints I: 关于 Reporting 与 Transparency 的要求。银行与保险公司都有 Reporting 与Transparency 的要求，因此 Constraint I 适用于银行与保险公司。


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


Constraint III: 这点说按照会计准则的要求，需要使用 Balance sheet comprehensive incomeaccounts。关于这点，适用于银行与保险公司。



综合以上，这道题选出 Constraint II 只适用于银行而不适用于保险公司。因此这道题选 B。

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