[{"data":1,"prerenderedAt":45},["ShallowReactive",2],{"q-deriv_prac-20-001":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":10,"explanation":19,"difficulty":20},"deriv_prac-20-001","20",1,"銀行辦理衍生性金融商品業務，應檢具金管會規定之申請書件，向金管會申請核准，並符合哪些規定？",[13,14,15,16],"申請日上一季底逾放比率為百分之三以下","EPS 達 3 元以上","ROE 達 5%","市值達新臺幣 100 億",0,"衍生性商品相關法規","開辦衍生性金融商品業務屬須經核准的業務，主管機關把關的重點是銀行的資產品質與承擔風險的能力，而逾期放款比率是最直接的體質指標——申請日上一季底逾放比率須在百分之三以下，(A) 正確。(B) 每股盈餘、(C) 股東權益報酬率、(D) 市值都屬獲利能力或市場評價指標，會隨景氣與股價劇烈起伏，也與銀行能否妥善控管衍生性商品風險沒有必然關係，並未被列為申請門檻。實務上一併檢視的還有備抵呆帳是否提列足夠、資本適足率是否達標，以及內部作業制度及程序是否已經董事會通過。","easy",[22,25,29,33,37,41],{"id":23,"question":24,"qno":10},"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-18-006","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":34,"question":35,"qno":36},"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":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？",9,1785157763140]