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六姑娘 · 2021年09月14日

求解

NO.PZ2020042003000115

问题如下:

When managing on-balance sheet funding liquidity risk, the zero cost of funds approach take liquidity as a free good. The following statements are about the zero cost of funds approach, which of the following is NOT correct?

选项:

A.

A zero charge for the cost of liquidity and a zero credit for the benefit of liquidity exacerbated maturity transformation to the largest degree possible.

B.

This approach resulted in the hoarding of short-term highly liquid assets.

C.

As the funding conditions so easy, banks viewed spreads as pure credit risk adjustments and ignored funding liquidity risk altogether, thus the bank use the zero-cost approach.

D.

It is a poor practice identified that some banks failed to account for the costs, benefits and risks of liquidity in their business activities.

解释:

考点:对LTP in Practice: Managing On-Balance Sheet Funding Liquidity Risk的理解

答案:B

解析:

选项B错误,关于B选项的正确表述为:

This approach resulted in the hoarding of long-term highly illiquid assets, and very few long-term stable liabilities to meet funding demands as they became due.

这道题我看不懂讲什么
1 个答案

李坏_品职助教 · 2021年09月14日

嗨,从没放弃的小努力你好:


题目问的是:在管理资产负债表上的流动性风险时,零成本融资的方法(zero cost funds approach)将流动性liquidity看作是免费的资金来源。以下选项哪一个不正确?


B项意思是这种zero cost funds会导致短期的高流动性资产的堆积。


这是错误的,正确的论述是:zero cost funds这种方法会导致长期的低流动性资产的堆积,并且在长期负债到期的时候,没有足够的资金来满足偿债需求。

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努力的时光都是限量版,加油!

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