[{"data":1,"prerenderedAt":43},["ShallowReactive",2],{"q-risk_mgmt-20-021":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","c4",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":17,"explanation":19,"difficulty":20},"risk_mgmt-20-021","20",21,"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",[13,14,15,16],"僅 AB","僅 AC","僅 BC","ABC",1,"國家風險與國家主權評等","A正確:授信業務是實際已撥出的資金,風險就是帳上餘額,因此按目前的放款餘額計算暴險值。C也正確:對國外銀行的資金拆放、同業進出口融資墊款等,銀行實際承擔的是對方已動用的金額,故按使用餘額認列。B則錯在把交割前名目本金套用到股權投資:名目本金的概念適用於交割前仍存在履約風險的外匯交易,股權投資已完成資金投入,應按投資帳面金額或市價衡量暴險。因此僅A、C正確,答案為(B)。銀行須逐日彙總各國暴險並定期提報董事會,避免外幣債權過度集中於同等級或低等級的風險國家。","hard",[22,26,30,33,36,39],{"id":23,"question":24,"qno":25},"risk_mgmt-20-020","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？",20,{"id":27,"question":28,"qno":29},"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":31,"question":32,"qno":25},"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":34,"question":35,"qno":10},"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":37,"question":38,"qno":29},"risk_mgmt-21-052","有關國家風險的統計，下列敘述何者錯誤？",{"id":40,"question":41,"qno":42},"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？",19,1785146815536]