NO.PZ2015121801000128
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?