[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-risk_mgmt-20-023":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","c5",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":17,"explanation":19,"difficulty":20},"risk_mgmt-20-023","20",23,"為限制信用過度擴張，Basel III 規範銀行額外計提資本，此規範的用意為何？",[13,14,15,16],"早期介入監理審查","防範景氣循環的衝擊","順應景氣循環的擴張","市場紀律介入",1,"金融機構的資本適足制度","景氣繁榮時銀行放款浮濫、資產價格膨脹,一旦反轉又同步緊縮信用,反而放大衰退,這種放大效果稱為順循環性。Basel III為此要求銀行在信用過度擴張階段額外提列抗景氣循環資本緩衝,把繁榮期多賺的盈餘留存下來,等景氣下滑時再釋出,用來吸收損失並維持放款能量,用意正是防範景氣循環的衝擊(B)。(C)剛好講反,額外計提是要抑制而非順應擴張;(A)早期介入監理審查屬第二支柱的監理檢視;(D)市場紀律是第三支柱靠資訊揭露發揮的約束力,都與這項資本緩衝的目的不同。","medium",[22,26,30,34,38,42],{"id":23,"question":24,"qno":25},"risk_mgmt-20-022","票券金融公司的資本適足率低於 6%者，主管機關可採行下列哪些措施？ A.解除負責人職務 B.命令取得或處分特定資產，應先經主管機關核准 C.命令處分特定資產 D.命令對負責人之報酬予以降低",22,{"id":27,"question":28,"qno":29},"risk_mgmt-20-025","票券金融公司的資本適足率在 6%以上，未達 8%時，主管機關得採行下列哪些措施？ A.不得以現金分配盈餘 B.不得以現金買回流通在外股份 C.限期提出資本重建計畫 D.限期提出財務業務改善計畫",25,{"id":31,"question":32,"qno":33},"risk_mgmt-20-026","保險公司的資本適足率至少須達多少以上，才可申請從事衍生性金融商品交易之業務？",26,{"id":35,"question":36,"qno":37},"risk_mgmt-20-027","有關證券業在不同資本適足率下之業務規範及限制，下列敘述何者錯誤？",27,{"id":39,"question":40,"qno":41},"risk_mgmt-20-029","有關信用風險的資本計提，下列何者不屬於內部評等法(Internal Rating-Based Approach, IRB)的決定因素？",29,{"id":43,"question":44,"qno":45},"risk_mgmt-20-030","表外的非衍生性商品，估計其風險性資產時，下列敘述何者錯誤？",30,1785146815542]