[{"data":1,"prerenderedAt":42},["ShallowReactive",2],{"q-fintech-22-018":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-22-018","22",18,"依據中央銀行 2019 年之分類，由平台先進行資金撥貸，並帳載於本身的資產負債表內，而後透過轉讓債權予投資人或機構投資人之方式，是屬於 P2P 借貸的何種模式？",[13,14,15,16],"公證模式","傳統模式","資產負債表模式","應收帳款承購模式",2,"存貸",1,"中央銀行 2019 年將 P2P 借貸依運作方式分類,其中「資產負債表模式」是平台先以自有資金撥貸給借款人,並把這筆債權列在自身資產負債表上,之後再將債權轉讓給投資人或機構投資人,平台因此實際承擔信用風險,故 (C) 正確。(B) 傳統模式中平台僅擔任媒合角色,資金直接由投資人貸給借款人;(A) 公證模式由合作銀行先行放款,再將債權轉售給投資人;(D) 應收帳款承購模式以企業應收帳款為交易標的,三者皆非平台自行撥貸並入帳。","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？",1793070566082]