[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-risk_mgmt-20-036":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-20-036","20",36,"觀察銀行是否存在嚴重的流動性風險，下列敘述何者錯誤？",[13,14,15,16],"對外籌資窒礙難行，組織內部彼此牽制，推動困難","借款客戶嚴重違約，導致銀行發生擠兌，宣告破產","存款客戶嚴重違約，導致銀行發生擠兌，宣告破產，俗稱致命性風險(Fatal Risk)","銀行的資產負債項目，因長短期結構不一致，而使負缺口部位愈來愈大",2,"商業銀行的流動性風險與利率風險管理",1,"存款客戶是把錢借給銀行的一方，銀行對他們負有返還義務，並不存在「存款客戶對銀行違約」這種事；真正會違約的是借款客戶，而擠兌的導火線通常是存戶對銀行失去信心而集體提領。(C)把角色寫顛倒，是錯誤敘述。(B)借款戶大量違約導致資產減損，存戶恐慌提領而爆發擠兌，這條鏈路正是流動性危機的典型劇本。(A)對外籌資管道不通、內部決策又互相牽制推不動，代表銀行缺乏應急籌資能力，是流動性風險惡化的明顯徵兆。(D)資產與負債長短期結構錯配、負缺口持續擴大，更是流動性風險的核心來源。","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-20-035","下列何種資金來源，屬於銀行「非自主性」的債務？",35,{"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？",42,1785146815653]