[{"data":1,"prerenderedAt":38},["ShallowReactive",2],{"q-risk_mgmt-20-016":3},{"exam":4,"examName":5,"chapterSlug":6,"question":7,"related":21},"risk_mgmt","風險管理基本能力測驗——風險管理制度與實務","c10",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":17,"explanation":19,"difficulty":20},"risk_mgmt-20-016","20",16,"依照授信法規，銀行對於「所有利害關係人」的擔保授信總餘額，不得超過銀行淨值多少倍數？",[13,14,15,16],"1 倍","1.5 倍","2 倍","2.5 倍",1,"風險管理相關法令、辦法","銀行法對利害關係人授信設有雙重防線:個別授信必須有十足擔保、條件不得優於其他同類授信對象;總量上則規定銀行對所有利害關係人的擔保授信總餘額,不得超過銀行淨值的1.5倍,故選(B)。這道天花板的用意在防止銀行資源被主要股東、負責人及其關係企業掏空;以淨值當分母,是因為淨值才是股東實際承擔損失的部位。(A)的1倍、(C)的2倍與(D)的2.5倍都不是法定倍數。另須注意,對利害關係人原則上不得辦理無擔保授信,僅消費者貸款、對政府貸款等法定情形除外。","medium",[22,26,30,34],{"id":23,"question":24,"qno":25},"risk_mgmt-20-018","已知 A 銀行之總資產為 6,000 億元和淨值為 800 億元，下列敘述何者正確？",18,{"id":27,"question":28,"qno":29},"risk_mgmt-20-051","銀行法對「利害關係人」之規範，下列敘述何者錯誤？",51,{"id":31,"question":32,"qno":33},"risk_mgmt-21-048","大明在全體金融機構的信用貸款餘額 85 萬元、房屋擔保貸款餘額 100 萬元，大明平均月收入為 5.5 萬元，擬向銀行申請一筆新增的信用貸款，依據金管會 2005 年 12 月 19 日發函金融機構有關「債務人於全體金融機構之無擔保債務歸戶之總餘額」規範，銀行可以核給大明的信用貸款額度最高為多少？",48,{"id":35,"question":36,"qno":37},"risk_mgmt-22-060","為避免投資人購買或交易複雜性較高之匯率類商品，導致承擔重大的風險，主管機構規定此類契約的交易期限不得超過下列何者？",60,1785146815494]