[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-risk_mgmt-20-056":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-20-056","20",56,"客戶的「直接放款風險」，通常使用下列何者衡量暴露風險？",[13,14,15,16],"借款金額","還款金額","未還清餘額","融資額度",2,"商業銀行的信用風險管理",1,"直接放款是銀行已經把錢撥出去的授信，萬一客戶當下倒帳，實際承受的損失是「還沒收回來的那一部分」，所以暴露風險以未還清餘額衡量，故選(C)。(A)借款金額是撥貸時的原始本金，隨著客戶按期攤還，帳上餘額會逐月下降，仍用原始金額會高估曝險。(B)還款金額是已經安全收回的部分，那些錢早就不在風險之中，拿來衡量方向剛好相反。(D)融資額度反映的是承諾可動用的上限，適合用來衡量循環額度、保證、承兌等尚未動用的間接授信；對已撥款的直接放款而言，未動用的部分並不構成當下的實際曝險。","easy",[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-20-048","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？",48,{"id":32,"question":33,"qno":34},"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":36,"question":37,"qno":38},"risk_mgmt-20-055","有關授信案之回收風險，下列敘述何者錯誤？",55,{"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",1785146815813]