[{"data":1,"prerenderedAt":43},["ShallowReactive",2],{"q-credit_adv_prac-25-039":3},{"exam":4,"examName":5,"chapterSlug":6,"question":7,"related":21},"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":17,"explanation":19,"difficulty":20},"credit_adv_prac-25-039","25",39,"有關企業信用評分原則，下列敘述何者錯誤？",[13,14,15,16],"業界龍頭地位之企業，評分會較高","產能過剩企業，反映生產效能強勁，評分會較高","企業發展潛力愈高，評分會較高","所屬產業景氣愈好，評分會較高",1,"信用風險管理","(B) 的推論方向剛好相反：產能過剩代表供給大於市場需求，產能利用率偏低、固定成本分攤不掉，還容易引發同業殺價競爭，獲利與現金流量雙雙受壓，信用評分應調降而非調高；把產能過剩解讀成生產效能強勁，是誤把產能規模當成產能效率。(A) 正確，業界龍頭在議價能力、市占率、取得資金與抵抗景氣波動上都占優勢，償債把握度較高。(C) 正確，發展潛力高意味著未來營收與現金流量成長可期，長期還款來源較穩固。(D) 正確，產業景氣愈好，需求與售價上升，企業獲利與資金周轉都會改善。","easy",[22,26,29,33,36,40],{"id":23,"question":24,"qno":25},"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":27,"question":28,"qno":10},"credit_adv_prac-23-039","關於企業信用評分原則，下列敘述何者錯誤？",{"id":30,"question":31,"qno":32},"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":34,"question":35,"qno":25},"credit_adv_prac-24-037","有關信用評等制度，下列敘述何者錯誤？",{"id":37,"question":38,"qno":39},"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？",38,{"id":41,"question":42,"qno":10},"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？",1785170291494]