[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-credit_prac-48-041":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-48-041","48",41,"進口商為規避新臺幣匯率貶值風險，下列方法何者錯誤？",[13,14,15,16],"預售遠期外匯","預購遠期外匯","維持外幣債權與債務均衡","以新臺幣為交易貨幣",0,"外匯授信",1,"進口商日後須支付外幣貨款，怕的是新臺幣貶值、到時要用更多新臺幣才買得到外幣，因此避險方向是先把「買進外幣」的匯率鎖住。(A) 預售遠期外匯是約定將來賣出外幣，適合日後有外幣收入的出口商，進口商這樣做等於反向加碼曝險，故為錯誤方法。(B) 預購遠期外匯正是鎖定未來買匯成本的標準做法；(C) 讓外幣債權與債務金額相當，匯率變動的損益可相互抵消，屬自然避險；(D) 改以新臺幣計價交易，匯率風險轉由國外賣方承擔，進口商自然不受影響。","medium",[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？",46,1793070620274]