[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-risk_mgmt-21-013":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","c9",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":19,"explanation":20,"difficulty":21},"risk_mgmt-21-013","21",13,"有關信用卡之偽冒詐欺事件，應歸類為下列何種風險型態？",[13,14,15,16],"信用風險","市場風險","作業風險","流動性風險",2,"商業銀行的作業風險管理",1,"作業風險指因內部作業流程、人員、系統不當或失誤,以及外部事件所造成損失的風險,信用卡遭偽冒盜刷正是典型的外部詐欺事件——發卡機構的身分驗證流程與系統防護沒能擋下歹徒,損失由銀行吸收,歸屬於 (C) 作業風險,國際資本協定也把外部詐欺列為作業風險的損失事件類型之一。(A) 信用風險是持卡人有能力消費卻不還款、交易對手違約造成的損失,偽冒案件中真正的持卡人並沒有欠錢。(B) 市場風險來自利率、匯率、股價等市場價格波動。(D) 流動性風險是資金調度接不上、無法履行到期支付義務,兩者都與盜刷情境不符。","easy",[23,27,31,35,39,43],{"id":24,"question":25,"qno":26},"risk_mgmt-20-038","採用「標準法」計提作業風險的資本需求額時，該方法相較於「基本指標法」，通常對資本計提的影響為：",38,{"id":28,"question":29,"qno":30},"risk_mgmt-20-043","有關作業基礎成本制度(Activity-Based Costing, ABC)，下列敘述何者正確？",43,{"id":32,"question":33,"qno":34},"risk_mgmt-20-044","有關績效評估的觀念，下列何者正確？",44,{"id":36,"question":37,"qno":38},"risk_mgmt-20-060","有關作業風險的標準法，下列敘述何者錯誤？",60,{"id":40,"question":41,"qno":42},"risk_mgmt-21-050","有關財富管理業務的特性，下列何項內容不適當？",50,{"id":44,"question":45,"qno":38},"risk_mgmt-21-060","有關作業風險管理權責，下列敘述何者錯誤？ A.為落實法令遵循，銀行會在第一線業務單位設置「法令遵循主管」，負責法遵宣導及法遵自評作業之檢核 B.為發揮制衡功能，總行業務管理單位所擬定相關規章及作業細則，不須會簽法遵及風管部門提供意見 C.第二道防線為有效發揮風險監督功能，亦將參與經營績效之考評 D.第三道防線負責評估前二道防線設計之程序是否有效，並查核各單位是否落實內部控制及風險控管",1785146815975]