[{"data":1,"prerenderedAt":45},["ShallowReactive",2],{"q-deriv_prac-18-006":3},{"exam":4,"examName":5,"chapterSlug":6,"question":7,"related":21},"deriv_prac","衍生性金融商品銷售人員資格測驗——衍生性金融商品概論與實務","c3",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":17,"explanation":19,"difficulty":20},"deriv_prac-18-006","18",6,"有關銀行向金融監督管理委員會申請核准辦理衍生性金融商品業務時所需符合之規定，下列敘述何者錯誤？",[13,14,15,16],"銀行自有資本與風險性資產比率符合銀行法規定標準","備抵呆帳提列不足之比率低於應提列總額 3%","申請日上一季底逾放比率為 3%以下","申請日上一年度無因違反銀行法令而遭罰鍰處分情事，或其違法情事已具體改善，經金管會認可",1,"衍生性商品相關法規","申請辦理衍生性金融商品業務屬於資格審查，主管機關要確認銀行資本充足、備抵提足、資產品質良好且無重大違規。(B) 把標準寫反了：規定要求的是備抵呆帳不得有提列不足情事，而非允許提列不足在應提列總額 3% 以內，故為錯誤敘述。(A) 自有資本與風險性資產比率須符合銀行法標準，是最基本的資本門檻。(C) 申請日上一季底逾放比率須在 3% 以下；3% 這個數字綁的是逾放比，不是備抵不足比率，兩者最常被互換設陷阱。(D) 近一年無因違反銀行法令遭罰鍰，或違法情事已具體改善並經金管會認可，屬法遵門檻。","medium",[22,25,29,33,37,41],{"id":23,"question":24,"qno":17},"deriv_prac-18-001","指定銀行辦理外匯衍生性金融商品業務，下列何項交易得逕行辦理毋須向央行申請？",{"id":26,"question":27,"qno":28},"deriv_prac-18-003","依銀行辦理衍生性金融商品業務內部作業控制及程序管理辦法規定，銀行應每年重新檢視客戶屬性評估及分級結果之辦理時點，對於既有客戶得予延長至交易額度評估作業同時辦理，並經客戶確認，但最多不得超過幾個月？",3,{"id":30,"question":31,"qno":32},"deriv_prac-18-007","依銀行辦理衍生性金融商品業務內部作業制度及程序管理辦法規定，所稱之專業客戶，不包括下列何者？",7,{"id":34,"question":35,"qno":36},"deriv_prac-18-008","銀行與一般客戶之交易糾紛，無法依照銀行內部申訴處理程序完成和解者，客戶得向下列何者申請評議？",8,{"id":38,"question":39,"qno":40},"deriv_prac-18-009","銀行不得與下列何類客戶辦理複雜性高風險商品？",9,{"id":42,"question":43,"qno":44},"deriv_prac-18-010","關於衍生性金融商品部位之評價頻率，其為銀行本身業務需要辦理之避險性交易者，應：",10,1785157761765]