[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-risk_mgmt-20-009":3},{"exam":4,"examName":5,"chapterSlug":6,"question":7,"related":22},"risk_mgmt","風險管理基本能力測驗——風險管理制度與實務","c2",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":19,"explanation":20,"difficulty":21},"risk_mgmt-20-009","20",9,"有關企業信用地位下滑之徵兆，下列敘述何者錯誤？",[13,14,15,16],"企業發行新債務憑證需訂定比較高的票面利率","市場對企業流通在外的股票，長期看跌其價格","信用評等機構調降該企業發行之債務憑證","企業之利息保障倍數呈現提高情況",3,"信用評等制度",1,"利息保障倍數等於稅前息前純益除以利息費用,倍數愈高代表營業獲利覆蓋利息負擔的緩衝愈厚,是信用轉強而非轉弱的訊號,因此(D)所述倍數提高並不是信用地位下滑的徵兆。(A)新發債券必須訂較高的票面利率,表示投資人要求更多風險補償;(B)股價被市場長期看空,反映對未來獲利與償債前景的悲觀;(C)評等機構調降債務憑證等級,更是對違約機率上升的正式宣告,三者都是典型警訊。銀行監控既有授信戶時,正是靠這類市場價格與評等訊號,提早察覺客戶體質惡化。","medium",[23,27,31,35,39,43],{"id":24,"question":25,"qno":26},"risk_mgmt-20-012","丁公司 2024 年 12 月 31 日的流動資產為 90,381 萬元、長期投資 33,422 萬元、固定資產 207,005 萬元、流動負債 41,189 萬元、長期負債 29,000 萬元、淨值或股東權益 261,754 萬元，請問該公司的固定長期適合率為多少？",12,{"id":28,"question":29,"qno":30},"risk_mgmt-20-014","有關受評公司資本結構之長期償債能力，下列何者不宜當作主要衡量指標？",14,{"id":32,"question":33,"qno":34},"risk_mgmt-20-015","公司債等級之決定因素，攸關「定量分析」時，下列何者最為重要？",15,{"id":36,"question":37,"qno":38},"risk_mgmt-20-047","依據銀行公會公佈之大型企業信用評等表，其評分構面不包括下列何者？",47,{"id":40,"question":41,"qno":42},"risk_mgmt-20-050","有關 Moody’s 對公司債等級的定量分析，下列敘述何者正確？ A.主要指標為利息保障倍數 B.主要指標為經營效能 C.次要指標為短期償債能力，財務指標是負債比率與財務槓桿比率 D.次要指標為長期償債能力，用以判斷公司是否舉債過多",50,{"id":44,"question":45,"qno":46},"risk_mgmt-21-010","企業金融業務之放款利率＝基準利率＋風險加減碼，有關風險加減碼的涵蓋項目，下列何者錯誤？",10,1785146815429]