[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-risk_mgmt-20-048":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","c6",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":19,"explanation":20,"difficulty":21},"risk_mgmt-20-048","20",48,"仁愛銀行辦理信用卡業務時，每名好客戶平均每年創造 1,050 元利潤，又知該銀行的再投資報酬率為 5%，過去與這類好客戶平均維持 3 年的往來，請問該銀行延攬一名好客戶可為其創造多少利潤？",[13,14,15,16],"2,659 元","2,759 元","2,859 元","2,959 元",2,"商業銀行的信用風險管理",1,"好客戶帶來的是未來三年、每年一千零五十元的利潤，要衡量的是現在延攬他值多少，必須用再投資報酬率五％把各年利潤折現後相加。第一年 1050÷1.05＝1,000 元，第二年 1050÷1.05²＝952.38 元，第三年 1050÷1.05³＝907.03 元，合計 2,859.41 元，四捨五入為 2,859 元，故選(C)。(A)(B)(D)與正確金額僅差整百元，無法由題目數字推得，屬干擾選項。若把三年利潤直接相加得 3,150 元、誤用複利終值得 3,310 元，兩者都高估了客戶價值——錢愈晚收到就愈不值錢。","medium",[23,27,31,35,39,43],{"id":24,"question":25,"qno":26},"risk_mgmt-20-028","銀行的交易對手發現，衍生性交易明顯不利於自己時，可能選擇「不履約」，稱為下列何種風險？",28,{"id":28,"question":29,"qno":30},"risk_mgmt-20-049","假設 ARMs 定儲利率指數為 2.5%，銀行承作房貸之成本加碼為 2.55%，企業金融業務有關違約風險之信用等級加碼為 1%，請根據 ARMs 房貸之利率訂價方式，計算房貸利率為何？",49,{"id":32,"question":33,"qno":34},"risk_mgmt-20-055","有關授信案之回收風險，下列敘述何者錯誤？",55,{"id":36,"question":37,"qno":38},"risk_mgmt-20-056","客戶的「直接放款風險」，通常使用下列何者衡量暴露風險？",56,{"id":40,"question":41,"qno":42},"risk_mgmt-21-016","銀行承作中小企業授信時，尋求「中小企業信保基金」給予保證，對於債權銀行的信用風險有何影響？",16,{"id":44,"question":45,"qno":26},"risk_mgmt-21-028","實務上，銀行的「債權管理」存在回收風險，該回收風險包括下列何者？ A.擔保品風險 B.第三人保證的風險 C.簽訂的法律契約風險",1785146815753]