[{"data":1,"prerenderedAt":42},["ShallowReactive",2],{"q-fintech-22-019":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-22-019","22",19,"投資人不易取得或確認借款人提供之財務或其他資訊，導致過度仰賴平台的信用評等，屬於何種借貸風險？",[13,14,15,16],"資訊不對稱風險","詐欺風險","流動性風險","違約風險",0,"存貸",1,"資訊不對稱風險是指交易一方掌握較多資訊、另一方資訊不足所生的風險。P2P 借貸中,投資人難以取得或查核借款人的財務與信用資料,只能高度仰賴平台提供的信用評等,一旦評等失準或揭露不足,投資人就可能誤判風險,正是典型的資訊不對稱,故 (A) 正確。(B) 詐欺風險指借款人或平台蓄意以假資料行騙;(C) 流動性風險指債權難以及時變現;(D) 違約風險指借款人到期無法還本付息,三者都不是題幹描述的成因。","easy",[23,27,30,34,37,39],{"id":24,"question":25,"qno":26},"fintech-19-018","中國大陸最早的 P2P 借貸平台為下列何者？",18,{"id":28,"question":29,"qno":10},"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？",{"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":26},"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":10},"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？",1793070566087]