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Mia Li · 2024年05月15日

statement 2

NO.PZ2019011002000012

问题如下:

In a discussion, Li, a junior credit analyst made the following statements about covered bonds:

Li’s statement 1: A covered bond is a senior debt obligation of a financial institution that gives recourse to the originator/issuer as well as a predetermined underlying collateral pool.

Li’s statement 2: Rating agencies often assign a credit rating to covered bonds that are several notches above that of the issuing financial institution.

According to the information above, which of Li’s statement is incorrect?

选项:

A.

Statement 1 is incorrect.

B.

Statement 2 is incorrect.

C.

Neither of the statements is incorrect.

解释:

C is correct.

考点:Covered bonds概念的理解

解析:

Li的两个Statements都是正确的,这两个Statement为讲义总结结论。

何老师上课时说到 公司评级是senior unsecured bond; covered bond的评级是senior secured bond。这其中也没有差several notches呀,不是就差了一级吗?

1 个答案

pzqa31 · 2024年05月15日

嗨,从没放弃的小努力你好:


Covered bond是一个有抵押物(Collateral)的Bond,所以当债券违约时,投资者可以追索抵押物,比如“给银行抵押的房子”是Covered bond的抵押品,债券违约时,投资者可以追索房子。所以这是一个有抵押品的债券(Secured bond)。一般Covered bond是银行发行,如果Covered bond违约,投资者还可以找向银行追索赔偿,这是Covered bond的特别之处:Covered bond有双层保障Dual protection,违约时,投资者即可以追索抵押物,也可以找银行赔偿。

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