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Enjoy · 2024年04月10日

这题为什么不选C

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问题如下:

The timing of payouts for property and casualty insurers is unpredictable ("lumpy") in comparison with the timing of payouts for life insurance companies. Therefore, in general, property and casualty insurers have:

选项:

A.

lower liquidity needs than life insurance companies.

B.

greater liquidity needs than life insurance companies.

C.

a higher return objective than life insurance companies.

解释:

B  is correct.

The unpredictable nature of property and casualty (P&C) claims forces P&C insurers to allocate a substantial proportion of their investments into liquid, short maturity assets. This need for liquidity also forces P&C companies to accept investments with relatively low expected returns. Liquidity is of less concern to life insurance companies given the greater predictability of life insurance payouts.

这道题为什么不选C,财险和意外险的收益率要求不是比寿险高吗?

1 个答案

Kiko_品职助教 · 2024年04月10日

嗨,爱思考的PZer你好:


不是的。寿险赔付具有更大的可预测性,寿险公司对流动性的关注程度较低,所以可以投资收益更高的资产。财产和意外险索赔的不可预测性迫使公司将相当一部分投资配置为流动性强、期限短的资产,这种对流动性的需求也迫使财产保险公司接受预期回报相对较低的投资。

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