[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-risk_mgmt-21-019":3},{"exam":4,"examName":5,"chapterSlug":6,"question":7,"related":21},"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":17,"explanation":19,"difficulty":20},"risk_mgmt-21-019","21",19,"銀行公會針對中小型企業的信用評分，使用財務狀況、經營管理，以及產業特性暨展望三項構面，其評分比重分別為何？",[13,14,15,16],"50%、30%及 20%","40%、40%及 20%","40%、30%及 30%","30%、30%及 40%",1,"信用評等制度","銀行公會為中小型企業設計的信用評分表,把構面分成財務狀況、經營管理與產業特性暨展望三塊,權重依序為百分之四十、百分之四十與百分之二十,故選 (B)。財務狀況看償債能力、獲利能力與財務結構等量化指標;經營管理評估負責人誠信、經營團隊能力與銀行往來紀錄等質化因素;產業特性暨展望則衡量所處產業的景氣循環與前景。中小企業的財報品質與透明度普遍不如上市櫃公司,光看數字容易失真,這正是質化的經營管理面必須拿到與財務面相同權重的原因。(A)(C)(D) 的權重組合都與規定不符。","hard",[22,26,30,34,38,42],{"id":23,"question":24,"qno":25},"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":27,"question":28,"qno":29},"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":31,"question":32,"qno":33},"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":35,"question":36,"qno":37},"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":39,"question":40,"qno":41},"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":43,"question":44,"qno":45},"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",50,1785146816026]