[{"data":1,"prerenderedAt":45},["ShallowReactive",2],{"q-deriv_prac-19-007":3},{"exam":4,"examName":5,"chapterSlug":6,"question":7,"related":22},"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":19,"explanation":20,"difficulty":21},"deriv_prac-19-007","19",7,"銀行擬開辦衍生性金融商品業務，應符合之資格條件，下列何者錯誤？",[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","無備抵呆帳提列不足情事","申請日上一季底逾放比率為百分之五以下","申請日上一年度無因違反銀行法令而遭罰鍰處分情事",2,"衍生性商品相關法規",1,"開辦衍生性金融商品業務的資格條件，重點在於確認銀行體質健全、有能力承擔市場與交易對手風險。規定要求自有資本與風險性資產比率符合銀行法標準、無備抵呆帳提列不足情事，以及申請日上一年度未曾因違反銀行法令而遭罰鍰處分，(A)(B)(D) 都正確。至於資產品質門檻，法定標準是申請日上一季底的逾放比率須在百分之三以下，(C) 寫成百分之五等於放寬了門檻，與規定不符，故為錯誤敘述、即本題答案。這類資格題常見的改編手法就是把比率或期間微調一格，作答時要把「上一季底」「百分之三」兩個要素一起記。","medium",[23,26,30,34,37,41],{"id":24,"question":25,"qno":19},"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":27,"question":28,"qno":29},"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":31,"question":32,"qno":33},"deriv_prac-18-006","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？",6,{"id":35,"question":36,"qno":10},"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？",{"id":38,"question":39,"qno":40},"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":42,"question":43,"qno":44},"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？",9,1785157762473]