[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-risk_mgmt-20-013":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","c3",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":19,"explanation":20,"difficulty":21},"risk_mgmt-20-013","20",13,"有關房屋淨值放款的特性，下列何者錯誤？",[13,14,15,16],"求償權居於第二順位","有時稱為二胎房貸，還款方式不屬於「封閉式信用貸款」","以房屋市場價值而非房屋淨值，當作抵押品","房屋淨值是由房屋市場價值與第一順位抵押借款餘額相減而得",2,"授信特徵與產業別的集中性風險",1,"房屋淨值放款是就房屋現值扣掉第一順位抵押借款餘額後剩下的那塊淨值再做融資,擔保基礎是這塊剩餘淨值,不是房屋的全部市場價值,(C)因此錯誤;若真按市場價值全額認定,等於忽略前順位債權,銀行的實際保障會被嚴重高估。(A)這類貸款設定的是第二順位抵押權,前順位受償後才輪到它,求償順位確實居次;(D)所述淨值等於房屋市場價值減第一順位借款餘額,正是計算方式;(B)俗稱二胎房貸,額度可循環動支、隨借隨還,不屬於一次撥貸、按期攤還即結案的封閉式信用貸款。","medium",[23,27,31,35,39,42],{"id":24,"question":25,"qno":26},"risk_mgmt-20-010","銀行辦理有追索權的應收帳款融資業務，授信對象為何？",10,{"id":28,"question":29,"qno":30},"risk_mgmt-20-011","有關企業貸款的利率水準，下列敘述何者錯誤？",11,{"id":32,"question":33,"qno":34},"risk_mgmt-20-017","有關微型企業的經營屬性與信用風險管理之敘述，下列何者錯誤？",17,{"id":36,"question":37,"qno":38},"risk_mgmt-20-019","授信業務的系統性信用風險，不包括哪項影響因素？",19,{"id":40,"question":41,"qno":34},"risk_mgmt-21-017","依銀行法規定，授信業務對同一關係企業之風險限額，下列敘述何者正確？",{"id":43,"question":44,"qno":45},"risk_mgmt-21-049","有關消費金融之業務特點 ，下列敘述何者錯誤？",49,1785146815465]