[{"data":1,"prerenderedAt":45},["ShallowReactive",2],{"q-fintech-22-025":3},{"exam":4,"examName":5,"chapterSlug":6,"question":7,"related":22},"fintech","金融科技力知識檢定","c12",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":19,"explanation":20,"difficulty":21},"fintech-22-025","22",25,"新科技使客戶可快速在不同銀行、不同帳戶間移轉資金以取得較高報酬，導致客戶忠誠度降低及存款波動度提高，這將提高銀行之何種風險？",[13,14,15,16],"作業風險","投資風險","流動性風險","個資保護風險",2,"純網銀與開放銀行",1,"流動性風險是指銀行無法以合理成本及時取得資金,以支應存款提領或到期負債的風險。新科技讓客戶能隨時把資金在不同銀行、帳戶之間移轉以追逐較高報酬,存款黏著度降低、資金進出更頻繁,銀行負債面的穩定性隨之下降,資金需求難以預估,流動性風險因此升高,故 (C) 正確。(A) 作業風險源自內部流程、人員或系統缺失;(B) 投資風險指投資部位價值波動;(D) 個資保護風險涉及客戶資料外洩,皆非存款波動所直接推升的風險。","medium",[23,27,31,35,39,42],{"id":24,"question":25,"qno":26},"fintech-19-024","依據中央銀行定義，下列對純網銀敘述何者錯誤？",24,{"id":28,"question":29,"qno":30},"fintech-19-033","依據我國行政院 2019 年「智慧政府行動方案」，金管會與國發會共同推動「數位服務個人化」應用於金融領域，則此一平臺名稱為何？",33,{"id":32,"question":33,"qno":34},"fintech-19-043","有關開放銀行(Open Banking)敘述，下列何者錯誤？",43,{"id":36,"question":37,"qno":38},"fintech-19-053","有關純網路銀行國際發展狀況，下列敘述何者正確？ A.我國目前開放設立三家純網路銀行 B. 2017 年全球 50 大純網路銀行中有 1\u002F3 以日本為根據地 C.中國大陸的純網路銀行於 2017 年居全球 50 大純網路銀行的前二名 D.與亞洲國家相比，歐美國家主要由電子商務、通訊軟體公司設立或合資",53,{"id":40,"question":41,"qno":26},"fintech-20-024","有關各國純網路銀行發展狀況，下列敘述何者正確？",{"id":43,"question":44,"qno":10},"fintech-20-025","下列何者指的是一個可公開取得的應用程式介面，提供開發人員透過程式化存取一個專有的軟體應用程式？",1793070566147]