分不清题中的99%和95%

NO.PZ2018122701000037 问题如下 A risk manager is analyzing a 1-y 99% VaR mol. Assuming 225 ys in a year, whis the maximum number of ily losses exceeng the 1-y 99% Vthis acceptable in a 1-yebacktest to conclu, a 95% confinlevel, ththe mol is calibratecorrectly? 3 5 8 10 B is correct. 考点:Backtesting V 解析:The risk manager will rejethe hypothesis ththe mol is correctly calibrateif the number x of losses exceeng the Vis suthat: 12\frac1221​ where p represents the failure rate anis equto 1 - 99%, or 1%; anT is the number of observations = 225. Anz = 1.96 is the two-tail confinlevel quantile. If: x−0.01×2250.01×(1−0.01)×225=1.96\frac{x-0.01\times225}{\sqrt{0.01\times(1-0.01)\times225}}=1.960.01×(1−0.01)×225​x−0.01×225​=1.96 Then, x = 5.18. So the maximum number of exceences woul5 to conclu ththe mol is calibratecorrectly. 如标题，谢谢！

NO.PZ2018122701000037 问题如下 A risk manager is analyzing a 1-y 99% VaR mol. Assuming 225 ys in a year, whis the maximum number of ily losses exceeng the 1-y 99% Vthis acceptable in a 1-yebacktest to conclu, a 95% confinlevel, ththe mol is calibratecorrectly? 3 5 8 10 B is correct. 考点:Backtesting V 解析:The risk manager will rejethe hypothesis ththe mol is correctly calibrateif the number x of losses exceeng the Vis suthat: 12\frac1221​ where p represents the failure rate anis equto 1 - 99%, or 1%; anT is the number of observations = 225. Anz = 1.96 is the two-tail confinlevel quantile. If: x−0.01×2250.01×(1−0.01)×225=1.96\frac{x-0.01\times225}{\sqrt{0.01\times(1-0.01)\times225}}=1.960.01×(1−0.01)×225​x−0.01×225​=1.96 Then, x = 5.18. So the maximum number of exceences woul5 to conclu ththe mol is calibratecorrectly. 95%的双尾检验对应的分位点不是1.65嘛，解析用的是1.96那不变成单尾了

题目也没说是双尾的，有时候一些考题是说单尾，一些说双尾，这要怎么判断呢