[{"data":1,"prerenderedAt":44},["ShallowReactive",2],{"q-risk_mgmt-20-020":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","c4",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":19,"explanation":20,"difficulty":21},"risk_mgmt-20-020","20",20,"開發中國家致力於國內基礎建設，為籌措建設資金而向國際資本市場大量舉債，但借款國家經濟良窳影響未來的償債能力。銀行稱此風險為下列何者？",[13,14,15,16],"主權風險","匯兌風險","外匯移轉風險","政治風險",0,"國家風險與國家主權評等",1,"國家風險可以拆成幾個面向,題目描述的是借款國家整體經濟表現決定它未來的還本付息能力,焦點在主權債務人本身的償債意願與能力,屬於主權風險(A)。(B)匯兌風險是匯率波動使債權折算成本國貨幣後價值減損;(C)外匯移轉風險是借款人本身有能力還款,卻因該國外匯存底不足或政府實施外匯管制,使款項匯不出境;(D)政治風險則來自戰爭、革命、政權更迭或徵收國有化等非經濟因素。銀行控管國家風險時,通常先做主權評等排序,再對各風險國家分別設定暴險上限。","medium",[23,27,31,34,37,40],{"id":24,"question":25,"qno":26},"risk_mgmt-20-021","為有效控制國家風險，避免外幣債權之風險過度集中在同等級或低等級之風險國家，主管機關要求銀行逐日統計並定期提報董事會，相關說明何者正確？ A.主要授信業務按照目前的放款餘額計算暴險值 B.投資業務分成股權投資、有價證券投資及外匯交易三種，其中股權投資按交割前名目本金計算暴險值 C.對國外銀行之資金拆放、同業進出口融資墊款等，按使用餘額計算暴險值",21,{"id":28,"question":29,"qno":30},"risk_mgmt-20-052","國家風險限額的調整時機與特性，下列敘述何者錯誤？",52,{"id":32,"question":33,"qno":10},"risk_mgmt-21-020","針對國外企業的授信，碰到當地政府外匯短缺或政局不穩，而突然宣布全面禁止或限制本息匯出，稱為下列何種風險？",{"id":35,"question":36,"qno":26},"risk_mgmt-21-021","有關國家主權評等之預告機制，下列敘述何者錯誤？",{"id":38,"question":39,"qno":30},"risk_mgmt-21-052","有關國家風險的統計，下列敘述何者錯誤？",{"id":41,"question":42,"qno":43},"risk_mgmt-22-019","授信對象若在英屬維京群島、開曼群島、百慕達群島或其他免稅地區註冊，但未實際營運，也無提供十足擔保時，如何認定國家別的風險限額？",19,1785146815527]