[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-risk_mgmt-20-057":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-20-057","20",57,"A 銀行藉由表內業務及表外業務構成的「信用風險性資產」，分別為新臺幣 1,500 億元與 500 億元時，依現行的資本適足規定，須計提多少資本？",[13,14,15,16],"210 億元","160 億元","158 億元","120 億元",0,"金融機構的資本適足制度",1,"信用風險性資產不分表內或表外，一律加總後乘上法定資本適足率。兩個金額都已是換算後的風險性資產，可直接相加：1,500＋500＝2,000 億元。依銀行資本適足性及資本等級管理辦法第 5 條，資本適足率不得低於 10.5%，故應計提 2,000×10.5%＝210 億元，選 (A)。(C) 158 億元是只拿表內的 1,500 億元乘 10.5%（＝157.5），漏計了表外換算後的 500 億元。(B) 160 億元只用 8% 這個未加計緩衝的舊水準；(D) 120 億元等於 2,000×6%，比率更低。","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？",29,1785146815823]