关于准备金

NO.PZ2019070901000101

问题如下：

Which of the following would be included in Tier 2 capital ？

选项：

debt subordinated to depositors with an original maturity of 10 years, cumulative preferred stock and loan loss provision.

both debt subordinated to depositors with an original maturity of 3 years and cumulative preferred stock

debt subordinated to depositors with an original maturity of 10 years and cumulative preferred stock but not loan loss provision.

all the above are incorrect.

解释：

A is correct.

考点：Tier 2 capital

解析：2级资本又称gone concern capital，累计优先股，5年以上的次级债和损失准备金都属于2级资本。

老师好，贷款准备金（预期损失）和一般风险准备（非预期损失）都算二级资本吗？超额损失准备是一级资本？

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1 个答案

李坏_品职助教 · 2025年04月16日

嗨，从没放弃的小努力你好：

Tier 2包含的就是我标出来的这几个。

贷款准备金算二级资本。一般准备（general reserve）是属于一级资本。你说的超额损失准备，讲义里没有说，按照国内的要求，是算在二级资本。

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虽然现在很辛苦，但努力过的感觉真的很好，加油！

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