[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-risk_mgmt-20-042":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","c8",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":17,"explanation":19,"difficulty":20},"risk_mgmt-20-042","20",42,"下列敘述哪個是不適當的資金移轉價格制度？",[13,14,15,16],"銀行若要加強推動授信業務，則宜降低「借用利率」","當銀行資金浮濫時，宜調高供應利率，以減少吸收定期存款","多種供應來源與運用去路的內部利率制度，稱為「多軌制」的聯行往來利率","銀行若要鼓勵吸收「活期存款」 、減少「定期存款」 ，則在面對「活期存款」的供應利率，即宜提供一相對優於「定期存款」的利率",1,"商業銀行的流動性風險與利率風險管理","資金移轉價格是總行與分行之間的內部利率：分行吸收存款是把資金「供應」給總行，可收取供應利率；分行承作放款則是向總行「借用」資金，須支付借用利率。銀行資金浮濫代表可用資金已過剩，此時應調降定期存款的供應利率，讓分行覺得衝定存無利可圖而自然減量；(B)反而調高供應利率，等於誘使分行搶收定存，與減少吸收的目的背道而馳，並不適當。(A)降低借用利率能壓低分行的資金成本，授信意願隨之提高。(D)給活期存款相對優厚的供應利率，可導引分行改衝活存。(C)多種來源與去路各訂一組利率，即多軌制的聯行往來利率。","medium",[22,26,30,34,38,42],{"id":23,"question":24,"qno":25},"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":27,"question":28,"qno":29},"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":31,"question":32,"qno":33},"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":35,"question":36,"qno":37},"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":39,"question":40,"qno":41},"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":43,"question":44,"qno":45},"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？",37,1785146815703]