[{"data":1,"prerenderedAt":42},["ShallowReactive",2],{"q-fintech-22-050":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-22-050","22",50,"有關全球 P2P 借貸平台的運作架構，下列何者不是其主要類型之一？",[13,14,15,16],"債權轉讓","無息公益","股票分紅","第三方擔保",2,"存貸",1,"P2P 借貸的本質是借貸關係,投資人取得的是債權與利息收益;「股票分紅」是持有公司股份所得的股權報酬,屬於股權投資的範疇,並非 P2P 借貸平台的運作類型,故 (C) 為正解。常見的 P2P 運作架構則包括:(A) 債權轉讓,由平台或專業放款人先行放款,再把債權拆分轉讓給投資人;(B) 無息公益,出借人不收利息,以公益或扶貧為目的;(D) 第三方擔保,由擔保機構為借款提供保證,降低投資人的違約損失。","easy",[23,27,31,34,37,39],{"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":30},"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":32,"question":33,"qno":10},"fintech-19-050","有關 P2P 借貸平台之敘述，下列何者錯誤？",{"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":33,"qno":30},"fintech-20-019",{"id":40,"question":41,"qno":10},"fintech-20-050","有關英國 Zopa 的 Safeguard 敘述，下列何者錯誤？",1793070566420]