Ib daim ntawv cog lus tsis tu ncua tsis txhais hais tias koj yuav poob tag nrho koj tus thawj tswj hwm. Nyob rau hauv cov ntaub ntawv ntawm tuam txhab bonds, koj yuav tau txais ib feem ntawm koj tus thawj tswj hwm rov. Qhov no yuav tshwm sim tom qab tus tshaj tawm tau tshem tawm nws cov cuab tam thiab faib cov nyiaj tau los.
Yuav ua li cas yog tias daim ntawv cog lus koom nrog ua txhaum cai?
Bond defaults tshwm sim thaum lub tuam txhab tso tseg tsis them cov paj laum ntawm daim ntawv cog lus lossis tsis them rov qab tus thawj tswj hwm ntawm kev loj hlob. … Yog tias ib lub tuam txhab ua txhaum cai yam tsis tau tshaj tawm txog kev lag luam ua ntej, ces cov neeg qiv nyiaj yuav raug yuam kom lawv ua lag luam. Cov tuam txhab Asmeskas tuaj yeem ua ntaub ntawv thov kev lag luam hauv Tshooj 7 lossis Tshooj 11.
Puas cov tuam txhab lag luam muaj kev pheej hmoo pheej hmoo?
ib qho kev pheej hmoo tseem ceeb rau tus tswv lag luam yog tias lub tuam txhab yuav tsis them nyiaj raws sij hawm ntawm cov paj lossis tus thawj tswj hwm. Yog tias qhov ntawd tshwm sim, lub tuam txhab yuav ua tsis tau raws li nws daim ntawv cog lus. qhov "kev pheej hmoo pheej hmoo" no ua rau qhov creditworthiness ntawm lub tuam txhab-uas yog, nws muaj peev xwm them nws cov nuj nqis raws sij hawm-ib qho kev txhawj xeeb tseem ceeb rau cov tswv lag luam.
Ntau npaum li cas ua lag luam daim ntawv cog lus ua ntej?
Cov BB-rated daim ntawv cog lus zoo li ua ntej ntawm kwv yees 2% toj xyoo, qhov nruab nrab, thiab B-rated daim ntawv cog lus ntawm kwv yees li 4% hauv ib xyoos. Tau kawg, tus nqi tuaj yeem siab dua ib ntus: txawm tias 8% mus rau 10% ib xyoos ib zaug rau B-rated nuj nqis. Nco ntsoov, default tsis txhais hais tias tag nrho cov poob ho; kwv yees li 40% ntawm cov nuj nqis defaulted nws thiaj li rov qab.
Yuav ua li cas daim ntawv cog lus tas sij hawm?
Ib daim ntawv cog lus koom nrog yog hom kev tiv thaiv nuj nqis uas tau muab los ntawm lub tuam txhab thiab muag rau cov tub ua lag luam. … Thaum daim ntawv cog lus tas sij hawm, lossis "mus txog hnub kawg," cov nyiaj them poob haujlwm thiab thawj qhov peev nyiaj rov qab.
