[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-fin_plan_prac-46-004":3},{"exam":4,"examName":5,"chapterSlug":6,"question":7,"related":22},"fin_plan_prac","理財規劃人員專業能力測驗——理財規劃實務","c4",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":19,"explanation":20,"difficulty":21},"fin_plan_prac-46-004","46",4,"理財人員在協助客戶控管其理財規劃執行進度時，下列建議何者錯誤？",[13,14,15,16],"儲蓄額降低時，宜減少開銷或增加收入","倘累積生息資產大幅減損時，可考慮延長目標達成年限","利率持續走升，則定存到期時可買進債券型基金","有緊急意外支出需求時，可尋求優惠利率貸款支應",2,"家庭現金流量管理",1,"利率持續走升時債券價格會下跌,此時買進債券型基金將面臨資本損失,建議錯誤。儲蓄降低時開源節流、資產減損時延長目標年限、急需時找低利貸款,都是正確的進度調整方式。","medium",[23,27,31,35,39,43],{"id":24,"question":25,"qno":26},"fin_plan_prac-47-008","小鍾月薪 10 萬元，每月之薪資所得扣繳 1.3 萬元、勞健保費 4 千元、交通費及餐費 8 千元、固定生活費 4萬元、房貸本息支出 2 萬元，則小鍾的收支平衡點之月收入為多少萬元？",8,{"id":28,"question":29,"qno":30},"fin_plan_prac-47-009","小明目前淨資產為 400 萬元，假設年投資報酬率為 8%，而目前年支出為 200 萬元，則小明的財務自由度為下列何者？",9,{"id":32,"question":33,"qno":34},"fin_plan_prac-47-010","小陳家庭的年基本支出為 40 萬元，而家庭年收入為 100 萬元，年消費支出為 90 萬元，則小陳的邊際消費率為下列何者？",10,{"id":36,"question":37,"qno":38},"fin_plan_prac-47-012","B 君每月固定薪資 10 萬元，每月生活費用為 4 萬元，30 年房貸，每月攤還本利和 2 萬元，假設無其他收入及支出，每月剩餘全額均投資於定存，若存款利率等於通貨膨脹率，則 30 年後 B 君存款金額為何？",12,{"id":40,"question":41,"qno":42},"fin_plan_prac-47-013","商店收入的 60%是估計的進貨成本，每月租金等雜費為 3 萬元，月收入為 20 萬元，真正賺到的錢為多少？",13,{"id":44,"question":45,"qno":46},"fin_plan_prac-48-011","儲備緊急預備金的形式，以下列何者為佳？",11,1783434647231]