李同学2019-03-11 14:00:37
01.单选题 收藏 标记 纠错 When taking commercial bank into consideration, holding reserves with central bank is: A a mandatory requirement. B an opportunity cost. C a good instrument to receive interest on excess funds. 查看解析 下一题 正确答案B 您的答案C本题平均正确率:20% Short-term funding alternatives难度:一般 推荐: 答案解析 B is correct. Funds held in reserve with the national central bank are an opportunity cost because they cannot be invested with higher interest or loaned out to consumers or commercial enterprises. A is incorrect because although many countries require deposit-taking banks to place a reserve balance with the national central bank, this is not always the case. C is incorrect because some central banks pay no interest on reserve funds, and sometimes even charge for keeping reserve funds. 问:如果按着机会成本-即 次优收益 来理解B?
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孙亚军2019-03-11 16:01:13
同学你好,存在央行的商业银行的存款准备金会产生机会成本。对于商业银行来说,如果把这笔准备金以贷款形式放出去可以获取更高的收益,但存放在央行只能获取较低的收益,二者之差即为机会成本。
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我不认为是二者之差,机会成本为我的next best选择,但是商业银行应该有很多次级选择吧,为啥放央行是机会成本?
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同学你好,你的理解是对的,放在哪里都有机会成本。因为你永远不知道放在哪里是最好的。
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B is correct. Funds held in reserve with the national central bank are an opportunity cost because they cannot be invested with higher interest or loaned out to consumers or commercial enterprises 我又看了一下解释:感觉他的意思是说 相比银行的老本行(给个人或者企业贷款),放在央行拿存款准备将的回报率就是第二选择了
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还有一点 因为不是强制性的所以 美国美联储规定的这个回报率会不会相对可观?还有美国的利率很低,所以相比会不会这个回报率就还算可以的了?我百度随便查了下 好像在3%,而美国银行存款利率很低 2.几好像,所以这个就算次优的不错选择了?
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CFA每道题其实都和实物离得笔记近吧,所以我觉得他 不会有什么漏洞,就是A,C排除,所以选B,一定有一定道理在~
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同学你好,对的,是这样的。


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