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JR · 2021年05月02日

A和C

  1. FRM II
  2. Liquidity and Treasury Risk

NO.PZ2020042003000029

问题如下：

Which of the following statements about sources of liquidity is NOT correct?

选项：

A.

Cash and treasury securities are excellent sources of liquidity, but relatively expensive sources of liquidity

B.

Financial institution can liquidate trading book positions to raise cash.

C.

Wholesale deposits is more stable than retail deposits, because retail deposits can disappear quickly in stressed market conditions.

D.

A financial institution can (at a cost) mitigate its funding risks somewhat by arranging lines of credit.

解释：

考点：对Liquidity Funding Risk的理解

答案：C选项表述错误，本题选C

解析：

C选项表述错误，Wholesale deposits是一种更Volatile的资金来源，而Retail deposits更加稳定。

Wholesale deposits are a more volatile source of funding than retail deposits and can disappear quickly in stressed market conditions.

老师，


A选项现金和短期国债为什么expensive 呢？这俩不是最便宜的吗？


C选项批发为什么比零售在危机时更容易消失呢？


谢谢

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1 个答案

品职答疑小助手雍 · 2021年05月03日

嗨，从没放弃的小努力你好：


利率低收益率低，所以贵（存着赚的少）


危机时候那些做wholesale deposit的公司不稳定，所以wholesale deposit就不稳定。而retail 的我们这些个人存款相比之下还挺稳定的。

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