What is Credit Rating and Why Smaller Funds Outperform?
The report should consist of about 2,200 to 3,000 words with the following format:
A. a cover page which presents your name, student ID number, the programme that you are enrolled in, and the title, the date and the speaker of the seminar(s) on which your report is based on;
B. Part 1 summarizes the ideas, observations or theories put forth by the speaker(s);
C. Part 2 analyzes and discusses the ideas, observations or theories put forth by the speaker(s); and
D. a list of references.
In general, Part 1 may consist of about 300 to 800 words. In part 2, you may discuss whether you agree with the speaker(s), why you agree or disagree, and use examples, data or other research findings to support your arguments; and/or how you can (or cannot) use the ideas, observations or theories presented by the speaker(s) in your job or personal decisions; and/or how the ideas, observations or theories put forth by the speaker(s) can (or cannot) help you develop more insights about the economy or the financial markets. In addition, you can discuss some additional research to further elaborate on the seminar topic(s) that you have selected. You can search for journal articles or research work published by the IMF, Federal Reserve Banks in the US, Hong Kong Monetary Authority, etc.
about Part 1 you can base on the ppt i sent you (use their idea and add some word), and i believe you can use more than one ppt as topic.
Seminar Report
Institution
Course
Date
Speakers: Dr. Stan Ho,
Hong Kong
SEMINAR REPORT
PART ONE: SUMMARY AND TOPICS
1 Credit Rating
According to Dr. Stan (2019), credit rating is the outlook on the credit-worthiness of a corporation or a transaction. However, these ratings can only address the credit risk. Credit ratings do not address other types of risks. Consequently, these ratings do not give any comments on the liquidity of any financial instrument in a corporation. Credit ratings also seek to ascertain the likelihood and the willingness of a borrower to pay back the loan within the stipulated time without defaulting. A high credit rating indicates that a borrower can pay the loan without any issues. On the other hand, a poor credit rating indicates that a bank or a borrower will experience difficulties in paying back the loan. Sometimes credit ratings limits the chances a corporation has in receiving a loan on favorable conditions. Since credit rating agencies use both qualitative and quantitative methods of assessment, different ratings can be given based on the assessment method used.
2 Data as a commodity and Risk Management
Data is any information or facts that are collected to assist in decision making. Data is a commodity because businesses can use data in decision making. Today, data has become valuable compared to any other resource. Data is a valuable marketing tool. Further data is a very important commodity in financial services. Organizations should come up with rules regulations to protect data in businesses. For example, businesses should report data breaches if these breaches might interfere with the privacy of the customers. When managing big data risk, a corporation should check the credit history of a company, assess the liquidity risk, and check the payment and the settlement history of an organization.
3 Financial structured product: Good or bad?
Financial structured products are non-principal leveraged and protected. With these products, investors gain increased coupons by selling their products via structured products. The value of financial structured products increases when there are market crises. Banks also do benefit from these products if they purchase the risk premiums at cheaper prices than the brokers in the market. When such transactions are done, a win-win condition is achieved. First banks lose their money from risk hedging and the investors will lose their principal after a drop in the HSCEI index.
4 Why smaller Hedge Funds Outperform?
Smaller hedge funds surpass the performance of bigger hedge funds. This is because large funds have a carrying capacity and involve higher transaction costs. Sometimes innovative people will choose to start small companies instead of working in large companies so that they will be able to maximize their wealth.
5 Bold Insurance Practice
A bond is a form of debt. For example when an investor decides to purchase a bond, it means that one is lending money to the borrower. In return, the borrower can promise to pay the money in a certain period. Examples of bonds include interest options, offering structures among others.
PART TWO: DISCUSSION
1 Why smaller Funds Outperform?
It is indeed true that smal...
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