两道白痴题不能理解, 请大家帮忙.谢谢 government, describes, mortgage, although

plumeyin

 谁能帮我解释一下这两个例子啊,谢谢.

note 1 第26页 ex 7 和ex 8

ex 7
A member describes an interest-only collateralized mortgage obligation as guaranteed by the US government since it is a claim against the cash flows of a pool of guaranteed mortgages, although the payment stream and market value of the security are not guaranteed.

Comment:
This is a violation because of the misrepresentation.

这个例子的解释我能明白,但是例子我没明白.

ex 8
A member describes a bank CD as 'guaranteed'

Comment:
This is not a violation as long as the limits of the guarantee provided by the Federal Deposit Insurance Corporation are not exceeded and the nature of the guarantee is clearly explained to clients.

这个例子和解释我都没明白.

还请大家帮助一下.

bmaggie

帮楼主顶一下，请高手进来解答。

fyboc

第二个,FDIC 对个人存款提供保险,具体规定如下.

New Deposit Insurance Limits - The standard insurance amount of $250,000 per depositor is in effect through December 31, 2013. On January 1, 2014, the standard insurance amount will return to $100,000 per depositor for all account categories except IRAs and other certain retirement accounts, which will remain at $250,000 per depositor. For more information visit: Deposit Insurance Simplification Fact Sheet

hellobebe

ex7我也不懂，，，请帮忙解答~~

hellobebe

我2个都没懂，，，，，，，

angelawangxt

ex 7我的理解是：
这个产品为：interest-only collateralized mortgage obligation, while the payment stream and market value of the security are not guaranteed.
但是这个member把它描述为：guaranteed by the US government.
所以是misrepresentation。

不知道是不是对啦~~