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NEW QUESTION: 1
A bank prices retail credit loans based on median default rates. Over the long run, it can expect:
A. Overestimation of risk and overpricing, leading to loss of market share
B. Underestimation and therefore underpricing of risk in it retail portfolio
C. A reduction in the rate of defaults
D. Correct pricing of risk in the retail credit portfolio
Answer: B
Explanation:
Explanation
The key to pricing loans is to make sure that the prices cover expected losses. The correct measure of expected losses is the mean, and not the median. To the extent the median is different from the mean, the loans would be over or underpriced.
The loss curve for credit defaults is a distribution skewed to the right. Therefore its mode is less than its median which is less than its mean. Since the median is less than the mean, the bank is pricing in fewer losses than the mean, which means over the long run it is underestimating risk and underpricing its loans. Therefore Choice 'd' is the correct answer.
If on the other hand for some reason the bank were overpricing risk, its loans would be more expensive than its competitors and it would lose market share. In this case however, this does not apply. Loan pricing decisions are driven by the rate of defaults, and not the other way round, therefore any pricing decisions will not reduce the rate of default.
NEW QUESTION: 2
Your network contains a Web server named Web1 that runs Windows Server 2008 R2.
You import an SSL certificate to Web1.
You need to enable SSL encryption for the Web site.
What should you do?
A. Configure the Machine Key feature for the Web site.
B. Modify the Server Certificates settings.
C. Add a new binding to the Web site.
D. Configure the handler mappings for the Web site.
Answer: C
Explanation:
NEW QUESTION: 3
Following best practices, formal plans for implementation of new information systems are developed during the:
A. testing phase.
B. deployment phase.
C. design phase.
D. development phase.
Answer: C
Explanation:
Explanation/Reference:
Explanation:
Planning for implementation should begin well in advance of the actual implementation date. A formal implementation plan should be constructed in the design phase and revised as the development progresses.
NEW QUESTION: 4
注：この質問は、同じシナリオを提示する一連の質問の一部です。シリーズの各質問には、記載された目標を達成する可能性のある独自のソリューションが含まれています。一部の質問セットには複数の正しい解決策がある場合もあれば、正しい解決策がない場合もあります。
このセクションの質問に回答すると、その質問に戻ることはできません。その結果、これらの質問はレビュー画面に表示されません。
Dynamics 365 for Finance and Operationsシステム管理者です。常に複数の人が使用するテスト環境があります。
開発で新しいデータエンティティを作成し、コードをテスト環境に移行します。テスト環境では、リスト内のデータエンティティを見つけることができません。
データエンティティを見つける必要があります。
解決策：データエンティティの[パブリックAPI]チェックボックスを有効にします。
ソリューションは目標を達成していますか？
A. いいえ
B. はい
Answer: A