[{"data":1,"prerenderedAt":44},["ShallowReactive",2],{"q-credit_adv_prac-25-038":3},{"exam":4,"examName":5,"chapterSlug":6,"question":7,"related":22},"credit_adv_prac","進階授信人員專業能力測驗——授信實務","c6",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":19,"explanation":20,"difficulty":21},"credit_adv_prac-25-038","25",38,"依據標準普爾信用評等公司之定義，下列哪一個等級（含）以上可視為投資等級？",[13,14,15,16],"AAA","BBB","CCC","DDD",1,"信用風險管理",2,"標準普爾的長期信用評等以 BBB 這一級作為投資等級與投機等級的分水嶺，BBB（含）以上屬投資等級，再往下就落入投機等級，俗稱垃圾債，(B) 因此正確。這條界線在實務上很關鍵：許多壽險、退休基金及銀行的投資規範只准持有投資等級以上的標的，發行人一旦被降到門檻之下，籌資成本立刻跳升。(A) AAA 確實是投資等級，但它是最高的一級，題目問的是門檻落在哪一級，答 AAA 等於把門檻拉得過高。(C) CCC 屬高度投機、已有相當違約疑慮的等級。(D) 標準普爾並無 DDD 這一級，其表示已違約的符號是 D。","easy",[23,27,31,35,38,41],{"id":24,"question":25,"qno":26},"credit_adv_prac-23-037","依據「銀行信用風險壓力測試作業指引」，壓力情境設計應符合下列哪項原則？",37,{"id":28,"question":29,"qno":30},"credit_adv_prac-23-039","關於企業信用評分原則，下列敘述何者錯誤？",39,{"id":32,"question":33,"qno":34},"credit_adv_prac-23-040","已知 A 公司第一年的邊際違約機率為 d1；第二年的邊際違約機率為 d2，則其累積至第二年的違約機率，可以下列何者表示？",40,{"id":36,"question":37,"qno":26},"credit_adv_prac-24-037","有關信用評等制度，下列敘述何者錯誤？",{"id":39,"question":40,"qno":10},"credit_adv_prac-24-038","已知借款人與保證人之違約機率分別為 2%和 1%且為獨立事件，請問二者同時發生違約的機率為多少？",{"id":42,"question":43,"qno":30},"credit_adv_prac-24-039","A 銀行給予 B 公司短期信用循環額度 100 萬元，目前動用餘額為 50 萬元，假設信用風險轉換係數為 30%，則A 銀行對於 B 公司之違約曝險額為多少？",1785170291491]