[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-risk_mgmt-20-035":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","c8",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":19,"explanation":20,"difficulty":21},"risk_mgmt-20-035","20",35,"下列何種資金來源，屬於銀行「非自主性」的債務？",[13,14,15,16],"央行融資","同業融資","權益資金","存款負債",3,"商業銀行的流動性風險與利率風險管理",1,"自主性負債指銀行可以主動決定要不要借、借多少的資金，像(A)向中央銀行申請融資、(B)在拆款市場向同業融通，都是銀行按自身資金缺口主動去籌措，時點與金額掌握在自己手上。存款負債正好相反，客戶何時存入、存多少、何時提領，主導權完全在客戶，銀行只能被動承接，屬於「非自主性」的債務，故選(D)。(C)權益資金是股東出資與保留盈餘，會計上列為業主權益而非債務，連「債務」這個前提都不成立。分辨兩者的實益在流動性管理：非自主性資金的穩定度只能靠存款結構分析與流動準備控管，無法臨時調度。","medium",[23,27,31,35,39,43],{"id":24,"question":25,"qno":26},"risk_mgmt-20-006","市場利率變動，導致資產負債之經濟價值跟著變動的風險，係稱為下列何種風險？",6,{"id":28,"question":29,"qno":30},"risk_mgmt-20-007","美國的儲蓄貸款機構於 1980 年代出現倒閉風潮，係受到下列何種風險威脅金融機構的例證？",7,{"id":32,"question":33,"qno":34},"risk_mgmt-20-024","依銀行流動性覆蓋比率實施標準，有關流動性覆蓋比率，下列敘述何者錯誤？",24,{"id":36,"question":37,"qno":38},"risk_mgmt-20-036","觀察銀行是否存在嚴重的流動性風險，下列敘述何者錯誤？",36,{"id":40,"question":41,"qno":42},"risk_mgmt-20-037","銀行之流動性風險與利率風險管理的監督指標，下列敘述何者錯誤？",37,{"id":44,"question":45,"qno":46},"risk_mgmt-20-042","下列敘述哪個是不適當的資金移轉價格制度？",42,1785146815645]