Question

Difficulty: EasyNon-Systematic and Credit Risks

Match each type of non-systematic risk to the scenario that best illustrates it.

  • Business RiskA manufacturing firm experiences severe financial loss due to poor operational decisions and product defects.
  • Credit RiskA corporate bond issuer defaults on its scheduled interest and principal obligations due to financial distress.
  • Liquidity RiskAn investor faces difficulty selling an unlisted municipal bond quickly at market value without taking a steep price cut.
  • Legislative RiskA sudden change in federal environmental statutes significantly increases compliance expenses for an energy company.

Answer

Business Risk matches with operational and product failure losses; Credit Risk matches with bond debt default; Liquidity Risk matches with difficulty selling a bond quickly without price concessions; Legislative Risk matches with increased expenses due to new statutory regulations.
Each non-systematic risk is accurately paired with its company-specific driver: Business Risk with operational failure, Credit Risk with debt default, Liquidity Risk with secondary market illiquidity, and Legislative Risk with statutory law changes.

Step-by-Step Solution

1
Examine each non-systematic risk term to identify its defining characteristic.
Business Risk relates to internal operations, Credit Risk to default on debt, Liquidity Risk to marketability/saleability, and Legislative Risk to statutory enactments.
Non-systematic risks represent specific hazards unique to an issuer or individual asset class that can be mitigated through portfolio diversification.

Key Concept

Classification of Unsystematic (Non-Systematic) Risks
Estimated Time:1m 0s
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