[{"data":1,"prerenderedAt":45},["ShallowReactive",2],{"q-risk_mgmt-21-018":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","c1",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":19,"explanation":20,"difficulty":21},"risk_mgmt-21-018","21",18,"風險趨避(Risk Averse)的債權銀行，下列何項內容不符其管理理念？",[13,14,15,16],"面對信用等級越佳客戶，給予越高風險限額","期待利息利潤越多越好，但利潤增加到某種程度後，滿足的效用呈現遞減","面對信用等級越佳客戶，儘管能夠賺取可觀利息利潤，也不願提高風險限額","屬於理性的授信行為",2,"風險管理原理",1,"風險趨避者不是不承擔風險,而是要求風險與報酬相稱:同樣的利潤,承擔的風險越低越好;報酬持續增加時,增加的滿足感則會遞減。因此 (B) 描述效用邊際遞減、(D) 認定這是理性的授信行為都成立,(A) 對信用等級越好、預期違約率越低的客戶給予越高的風險限額,也正是依風險高低分配額度的合理做法。(C) 則走過了頭:面對信用良好、風險低又能帶來可觀利息的客戶仍拒絕提高限額,等於放棄風險調整後報酬最佳的業務,那是全然排斥風險的心態,不符風險趨避者在風險與報酬間求取平衡的理念,故為答案。","medium",[23,26,29,33,37,41],{"id":24,"question":25,"qno":19},"risk_mgmt-20-001","面對風險問題的態度，下列何者錯誤？",{"id":27,"question":28,"qno":17},"risk_mgmt-20-002","有關間接成本的會計科目與分攤，下列敘述何者錯誤？",{"id":30,"question":31,"qno":32},"risk_mgmt-20-003","銀行分行（營業單位）主要的收入來源，不包括下列何者？",3,{"id":34,"question":35,"qno":36},"risk_mgmt-20-004","下列何者不屬於「責任中心體系」的分類要素？",4,{"id":38,"question":39,"qno":40},"risk_mgmt-20-005","財富管理處的處長，每個月領取的薪資費用應如何歸屬？",5,{"id":42,"question":43,"qno":44},"risk_mgmt-20-041","有關風險管理體質的檢視步驟，下列何者正確？",41,1785146816015]