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NEW QUESTION: 1
Payment terms define the discount rate for early payment of loans and the amount of time for repayment.
Net 30 days means what?
A. Payment of the entire invoiced amount is to be made in 31 calendar days.
B. Payment of the entire invoiced amount is to be made 30 days after receipt.
C. Payment of the entire invoiced amount is to be made between 1 and 45 calendar days.
D. Payment of the entire invoiced amount is to be made within 30 days of the invoice date.
Answer: D
Explanation:
Payment terms define the discount rate for early payment of loans and the amount of time for repayment. Net 30 days means payment of the entire invoiced amount is to be made within 30 days of the invoice date. The remaining terms are incorrect definitions for Net 30 days: Payment of the entire invoiced amount is to be made 30 days after receipt. Payment of the entire invoiced amount is to be made in 31 calendar days. Payment of the entire invoiced amount is to be made between 1 and 45 calendar days.

NEW QUESTION: 2
Concentration risk in a credit portfolio arises due to:
A. A high degree of correlation between the default probabilities of the credit securities in the portfolio
B. Issuers of the securities in the portfolio being located in the same country
C. A low degree of correlation between the default probabilities of the credit securities in the portfolio
D. Independence of individual default losses for the assets in the portfolio
Answer: B
Explanation:
Explanation
Concentration risk in a credit portfolio arises due to a high degree of correlation between the default probabilities of the issuers of securities in the portfolio. For example, the fortunes of the issuers in the same industry may be highly correlated, and an investor exposed to multiple such borrowers may face 'concentration risk'.
A low degree of correlation, or independence of individual defaults in the portfolio actually reduces or even eliminates concentration risk.
The fact that issuers are from the same country may not necessarily give rise to concentration risk - for example, a bank with all US based borrowers in different industries or with different retail exposure types may not face practically any concentration risk. What really matters is the default correlations between the borrowers, for example a lender exposed to cement producers across the globe may face a high degree of concentration risk.

NEW QUESTION: 3
RICHTIGER TEXT
Die Authentizität und Vertraulichkeit von E-Mail-Nachrichten wird am besten durch Signieren der Nachricht mit den folgenden Methoden erreicht:
A. Privater Schlüssel des Absenders und Verschlüsselung der Nachricht mit dem öffentlichen Schlüssel des Empfängers.
B. Öffentlicher Schlüssel des Empfängers und Verschlüsselung der Nachricht mit dem privaten Schlüssel des Absenders.
C. Privater Schlüssel des Empfängers und Verschlüsselung der Nachricht mit dem öffentlichen Schlüssel des Absenders.
D. Öffentlicher Schlüssel des Absenders und Verschlüsselung der Nachricht mit dem privaten Schlüssel des Empfängers.
Answer: A
Explanation:
Erläuterung:
Durch Signieren der Nachricht mit dem privaten Schlüssel des Absenders kann der Empfänger ihre Authentizität mit dem öffentlichen Schlüssel des Absenders überprüfen. Durch das Verschlüsseln der Nachricht mit dem öffentlichen Schlüssel des Empfängers kann nur der Empfänger die Nachricht mit seinem eigenen privaten Schlüssel entschlüsseln. Der private Schlüssel des Empfängers ist vertraulich und daher dem Absender unbekannt. Mit dem privaten Schlüssel des Absenders verschlüsselte Nachrichten können von jedem mit dem öffentlichen Schlüssel des Absenders gelesen werden.