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Zorluk: KolayNon-Systematic and Credit Risks

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

  • Business RiskA software provider experiences declining revenues after losing a primary enterprise contract to a competitor.
  • Credit RiskA municipal issuer fails to make a scheduled semi-annual interest payment due to fiscal deficits.
  • Liquidity RiskAn investor holding an obscure private placement must offer a deep price discount to find an immediate buyer.
  • Regulatory RiskA beverage manufacturer experiences narrowed profit margins following the enactment of a state sugar tax.

Cevap

Business Risk matches losing a key client contract; Credit Risk matches failing to make a scheduled municipal interest payment; Liquidity Risk matches offering a deep price discount to execute a quick transaction; Regulatory Risk matches experiencing narrowed profit margins from a new sugar tax.
Each scenario reflects a non-systematic risk factor unique to an issuer or industry: Credit Risk involves inability to service debt obligations; Business Risk reflects operational or competitive losses; Liquidity Risk reflects marketability constraints; and Regulatory Risk reflects legislative actions affecting operations.

Adım Adım Çözüm

1
Define each specific non-systematic risk type.
Recognize that non-systematic risks affect individual companies or specific sectors and can be mitigated through diversification.
Distinguishing risk categories allows accurate alignment with real-world financial events.
2
Evaluate the underlying cause in each corporate scenario.
Debt payment failure indicates credit/default risk; difficulty selling quickly indicates liquidity risk; market competition indicates business risk; new tax legislation indicates regulatory risk.
Matching unique risk drivers to corporate outcomes demonstrates conceptual application.

Anahtar Kavram

Non-Systematic and Credit Risks Identification
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