[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-risk_mgmt-20-040":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-20-040","20",40,"主管機關於必要時，得要求銀行提列抗景氣循環的緩衝資本，並以第一類資本的普通股權益支應，下列何者為計提比率的限制？",[13,14,15,16],"最低不得小於 2%","最高不超過 2%","最高不超過 2.5%","最低不得小於 3%",2,"金融機構的資本適足制度",1,"抗景氣循環緩衝資本是巴塞爾資本協定第三版的設計，用意在景氣過熱、信用擴張過快時要求銀行多存一層資本，等到景氣反轉再釋放出來吸收損失，藉此平滑循環帶來的衝擊。其計提區間訂為零到二點五％，由主管機關視信用成長情形決定幅度，並須以第一類資本中的普通股權益支應，因此上限二點五％的(C)正確。(A)(D)把它寫成「最低不得小於」某個比率，與這項緩衝「必要時才要求、平時可以是零」的機動性質相牴觸。(B)雖然抓對了「上限」的方向，但二％並不是協定所訂的數字，少了零點五個百分點。","medium",[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？",29,1785146815683]