[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-credit_prac-47-044":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-47-044","47",44,"因交易對方國家外匯短缺而對外債之支付或匯款限制所生之風險，屬於下列何項？",[13,14,15,16],"匯率風險","信用風險","資金流動性風險","國家風險",3,"外匯授信",1,"國家風險指的是因交易對方所在國家整體的政治、經濟或法令因素,使債務人即使有能力也還不出錢來的風險。典型樣態就是:進口商本身財務健全,當地貨幣也已繳交給銀行,卻因該國外匯存底短缺而實施匯出管制或宣布外債展期,款項出不了國門,債權人照樣收不到錢,這與個別債務人的信用無關,而是國家層次的移轉風險,故選(D)。(A)匯率風險是幣值波動造成的兌換損益。(B)信用風險來自個別債務人不願或無力清償。(C)資金流動性風險指的是銀行自身資金調度上短期無法應付支付需求,三者都不是這種成因。","easy",[23,27,31,35,38,42],{"id":24,"question":25,"qno":26},"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？",41,{"id":28,"question":29,"qno":30},"credit_prac-45-042","下列何者係屬銀行之外匯授信業務？",42,{"id":32,"question":33,"qno":34},"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":36,"question":37,"qno":10},"credit_prac-45-044","下列何者屬於外匯間接授信項目？",{"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？",46,1785146814871]