medium · FRM Part 2 Market Risk

A risk manager is comparing the properties of the Gaussian copula and the Student-t copula for a credit portfolio.

Which of the following statements correctly identifies a structural deficiency of the Gaussian copula in modeling joint defaults during a systemic crisis?

  1. Increasing the correlation parameter ρ in a Gaussian copula is a sufficient remedy for capturing tail clustering.
  2. The Gaussian copula exhibits zero tail dependence for any correlation coefficient ρ < 1.
  3. The Gaussian copula is only valid if the underlying asset returns follow a Student-t distribution.
  4. The Gaussian copula overstates the probability of joint defaults because it assumes normal marginals.

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