[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-risk_mgmt-21-017":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","c3",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":19,"explanation":20,"difficulty":21},"risk_mgmt-21-017","21",17,"依銀行法規定，授信業務對同一關係企業之風險限額，下列敘述何者正確？",[13,14,15,16],"授信總餘額不得超過銀行淨值的 3%，其中無擔保授信總餘額不得超過銀行淨值的 1%","授信總餘額不得超過銀行淨值的 15%，其中無擔保授信總餘額不得超過銀行淨值的 5%","授信總餘額不得超過銀行淨值的 40%，其中無擔保授信總餘額不得超過銀行淨值的 15%","授信總餘額不得超過銀行淨值的 45%，其中無擔保授信總餘額不得超過銀行淨值的 15%",2,"授信特徵與產業別的集中性風險",1,"依銀行法第三十三條之三授權訂定的授信限額辦法，銀行對同一關係企業的授信總餘額不得超過該銀行淨值的百分之四十，其中無擔保授信總餘額不得超過淨值的百分之十五，故 (C) 正確。這組上限的用意在防止授信過度集中於單一企業集團，避免集團出事時衝擊銀行清償能力；無擔保部分限得更緊，是因為缺乏擔保品可供回收。(A) 的百分之三與百分之一，是對同一自然人的授信限額。(B) 的百分之十五與百分之五，適用於同一法人。(D) 的百分之四十五並非該辦法所定的數字。","hard",[23,27,31,35,38,42],{"id":24,"question":25,"qno":26},"risk_mgmt-20-010","銀行辦理有追索權的應收帳款融資業務，授信對象為何？",10,{"id":28,"question":29,"qno":30},"risk_mgmt-20-011","有關企業貸款的利率水準，下列敘述何者錯誤？",11,{"id":32,"question":33,"qno":34},"risk_mgmt-20-013","有關房屋淨值放款的特性，下列何者錯誤？",13,{"id":36,"question":37,"qno":10},"risk_mgmt-20-017","有關微型企業的經營屬性與信用風險管理之敘述，下列何者錯誤？",{"id":39,"question":40,"qno":41},"risk_mgmt-20-019","授信業務的系統性信用風險，不包括哪項影響因素？",19,{"id":43,"question":44,"qno":45},"risk_mgmt-21-049","有關消費金融之業務特點 ，下列敘述何者錯誤？",49,1785146816012]