[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-credit_prac-46-041":3},{"exam":4,"examName":5,"chapterSlug":6,"question":7,"related":22},"credit_prac","初階授信人員專業能力測驗——授信實務","c3",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":19,"explanation":20,"difficulty":21},"credit_prac-46-041","46",41,"進出口商可利用預購或預售外匯合約規避下列何項風險？",[13,14,15,16],"國家風險","運輸風險","匯率風險","作業風險",2,"外匯授信",1,"預購外匯是進口商先與銀行約定未來以固定價格買入外幣，預售外匯則是出口商先鎖定未來賣出外幣的價格，兩者都把未來交割的匯價在今天先定下來，收付的本國幣金額不再隨市場行情起伏，規避的正是匯率風險。(A)國家風險來自進口國政局動盪、外匯管制或戰亂導致無法收款，須靠輸出保險或往來國別控管處理。(B)運輸風險指貨物在運送途中毀損滅失，對應的工具是貨物運輸保險。(D)作業風險源自內部流程、人員疏失或系統故障，靠內部控制與稽核降低。這三者都不是遠期外匯合約能處理的範圍。","easy",[23,26,30,34,38,42],{"id":24,"question":25,"qno":10},"credit_prac-45-041","「外匯短缺而對外債之支付或匯款限制、禁止」屬下列何種風險？",{"id":27,"question":28,"qno":29},"credit_prac-45-042","下列何者係屬銀行之外匯授信業務？",42,{"id":31,"question":32,"qno":33},"credit_prac-45-043","銀行在辦理開發進口信用狀，向客戶收取保險單時，下列何者有瑕疵？",43,{"id":35,"question":36,"qno":37},"credit_prac-45-044","下列何者屬於外匯間接授信項目？",44,{"id":39,"question":40,"qno":41},"credit_prac-45-045","出口商得以下列何種交易方式項下之匯票及單據，向銀行申請承作 FORFAITING 業務？",45,{"id":43,"question":44,"qno":45},"credit_prac-45-046","Import Factor 買入出口商對進口商之應收帳款債權，所承擔之風險不包括下列何項？",46,1785146814114]