[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-risk_mgmt-20-039":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","c5",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":19,"explanation":20,"difficulty":21},"risk_mgmt-20-039","20",39,"根據 2025 年起的法規，銀行的資本等級被劃分為「資本顯著不足」，表示此銀行：",[13,14,15,16],"資本適足比率達 2%以上，但未達 8.5%","資本適足比率未達 2%","資本適足比率達 9%","資本適足比率達 10%",0,"金融機構的資本適足制度",1,"依銀行資本適足性及資本等級管理辦法，資本等級由高到低分為資本適足、資本不足、資本顯著不足、資本嚴重不足四級。其中資本適足率達二％以上但未達八點五％者，即被劃入「資本顯著不足」，主管機關可命其限期增資、限制盈餘分配並停辦部分業務，故選(A)。(B)比率低於二％屬於更嚴重的「資本嚴重不足」，主管機關得勒令停業或派員接管，處分層級完全不同。(C)九％與(D)十％雖然還沒站上含緩衝資本的十點五％法定水準，但都已超過八點五％，只會被歸為「資本不足」。判斷關鍵就在二％、八點五％、十點五％這三道分界線。","hard",[23,27,31,35,39,43],{"id":24,"question":25,"qno":26},"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":28,"question":29,"qno":30},"risk_mgmt-20-023","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？",23,{"id":32,"question":33,"qno":34},"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":36,"question":37,"qno":38},"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":40,"question":41,"qno":42},"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":44,"question":45,"qno":46},"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？",29,1785146815680]