[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-risk_mgmt-21-010":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","c2",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":19,"explanation":20,"difficulty":21},"risk_mgmt-21-010","21",10,"企業金融業務之放款利率＝基準利率＋風險加減碼，有關風險加減碼的涵蓋項目，下列何者錯誤？",[13,14,15,16],"信用等級加碼","外匯實績加減碼","存款實績加減碼","借款期別加減碼",3,"信用評等制度",1,"企業金融的放款利率拆成兩塊:基準利率反映銀行的資金成本與市場利率水準,風險加減碼則針對個別客戶的信用品質與往來貢獻度調整。因此加減碼項目包含 (A) 信用等級加碼,評等越差加碼越多,以及 (B) 外匯實績、(C) 存款實績等往來貢獻度減碼——客戶把外匯與存款業務一併帶進來,銀行有其他收益可補,自然願意讓利。(D) 借款期別談的是期限長短,對應的是資金成本與利率期限結構,屬於基準利率端要處理的問題,不是衡量客戶信用或貢獻度的因素,把它歸進風險加減碼並不正確,故為錯誤選項。","medium",[23,27,31,35,39,43],{"id":24,"question":25,"qno":26},"risk_mgmt-20-009","有關企業信用地位下滑之徵兆，下列敘述何者錯誤？",9,{"id":28,"question":29,"qno":30},"risk_mgmt-20-012","丁公司 2024 年 12 月 31 日的流動資產為 90,381 萬元、長期投資 33,422 萬元、固定資產 207,005 萬元、流動負債 41,189 萬元、長期負債 29,000 萬元、淨值或股東權益 261,754 萬元，請問該公司的固定長期適合率為多少？",12,{"id":32,"question":33,"qno":34},"risk_mgmt-20-014","有關受評公司資本結構之長期償債能力，下列何者不宜當作主要衡量指標？",14,{"id":36,"question":37,"qno":38},"risk_mgmt-20-015","公司債等級之決定因素，攸關「定量分析」時，下列何者最為重要？",15,{"id":40,"question":41,"qno":42},"risk_mgmt-20-047","依據銀行公會公佈之大型企業信用評等表，其評分構面不包括下列何者？",47,{"id":44,"question":45,"qno":46},"risk_mgmt-20-050","有關 Moody’s 對公司債等級的定量分析，下列敘述何者正確？ A.主要指標為利息保障倍數 B.主要指標為經營效能 C.次要指標為短期償債能力，財務指標是負債比率與財務槓桿比率 D.次要指標為長期償債能力，用以判斷公司是否舉債過多",50,1785146815950]