[{"data":1,"prerenderedAt":42},["ShallowReactive",2],{"q-fintech-21-018":3},{"exam":4,"examName":5,"chapterSlug":6,"question":7,"related":22},"fintech","金融科技力知識檢定","c9",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":19,"explanation":20,"difficulty":21},"fintech-21-018","21",18,"P2P 借貸分類模式中，下列平台何者屬於資產負債表模式？",[13,14,15,16],"Zopa","Lending Club","陸金服","SoFi",3,"存貸",1,"資產負債表模式指平台以自有資金直接放款,貸款列入平台自身的資產負債表並自負信用風險,美國學生貸款起家的 SoFi 即採此模式,故 (D) 正確。(A) Zopa 與 (B) Lending Club 屬撮合出借人與借款人的中介(公證)模式;(C) 陸金服屬保證收益模式,皆不以自有資金撥貸。","hard",[23,26,30,34,37,39],{"id":24,"question":25,"qno":10},"fintech-19-018","中國大陸最早的 P2P 借貸平台為下列何者？",{"id":27,"question":28,"qno":29},"fintech-19-019","依據 WEF(2015)報告，P2P 借貸相較傳統金融借貸的優點，下列敘述何者錯誤？",19,{"id":31,"question":32,"qno":33},"fintech-19-050","有關 P2P 借貸平台之敘述，下列何者錯誤？",50,{"id":35,"question":36,"qno":10},"fintech-20-018","根據中央銀行(2019)之報告，僅協助資訊中介，屬於 P2P 借貸的何種模式？",{"id":38,"question":32,"qno":29},"fintech-20-019",{"id":40,"question":41,"qno":33},"fintech-20-050","有關英國 Zopa 的 Safeguard 敘述，下列何者錯誤？",1783326487034]