[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-deriv_prac-19-046":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-19-046","19",46,"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，經核准辦理衍生性金融商品業務之銀行，有下列哪一情形時，其辦理之衍生性金融商品以避險為限？",[13,14,15,16],"最近一季底逾期放款比率為百分之五","備抵呆帳提列充足","資本適足率為百分之十點五","長期信用評等達 Standard & Poor’s Rating Service BBB+級",0,"衍生性商品相關法規",1,"主管機關把銀行體質當成「能不能做非避險交易」的門檻：逾放比偏高、備抵呆帳提列不足、自有資本與風險性資產比率未達標準等情形，都代表銀行吸收虧損的能力不足，此時其衍生性金融商品業務就被限縮到避險用途。(A) 最近一季底逾期放款比率百分之五，已高於規定的百分之三上限，正是觸發限制的情形。(B) 備抵呆帳提列充足反而是體質良好的表徵。(C) 資本適足率百分之十點五高於法定最低要求。(D) 長期信用評等 BBB+ 仍屬投資等級。後三者都不會讓銀行被限縮，故選 (A)。","medium",[23,26,30,34,38,42],{"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":37},"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":39,"question":40,"qno":41},"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":43,"question":44,"qno":45},"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？",9,1785157762963]