[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-risk_mgmt-21-022":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","c5",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":19,"explanation":20,"difficulty":21},"risk_mgmt-21-022","21",22,"有關銀行的業務限制，下列敘述何者錯誤？",[13,14,15,16],"資本不足者，主管機關得限制新增風險性資產","資本顯著不足者，主管機關得限制轉投資","資本不足者，主管機關得禁止與利害關係人授信或其他交易","資本顯著不足者，主管機關得限制存款利率不得超過其他銀行同性質存款",2,"金融機構的資本適足制度",1,"依銀行資本適足性及資本等級管理辦法的分級處置,主管機關的介入強度隨資本等級惡化而升高。(C) 錯誤:禁止或限制與利害關係人為授信及其他交易,是資本顯著不足時才啟動的手段,對資本不足的銀行尚不會用到這一項。(A) 正確,資本不足者可命令提報增資計畫並限制新增風險性資產,先止血不讓風險部位再擴大。(B) 正確,資本顯著不足者可限制轉投資,避免資本再被抽走。(D) 正確,資本顯著不足者的存款利率不得高於其他銀行同性質存款,以防體質不佳的銀行以高利搶存款,把問題越滾越大。","hard",[23,26,30,34,38,42],{"id":24,"question":25,"qno":10},"risk_mgmt-20-022","票券金融公司的資本適足率低於 6%者，主管機關可採行下列哪些措施？ A.解除負責人職務 B.命令取得或處分特定資產，應先經主管機關核准 C.命令處分特定資產 D.命令對負責人之報酬予以降低",{"id":27,"question":28,"qno":29},"risk_mgmt-20-023","為限制信用過度擴張，Basel III 規範銀行額外計提資本，此規範的用意為何？",23,{"id":31,"question":32,"qno":33},"risk_mgmt-20-025","票券金融公司的資本適足率在 6%以上，未達 8%時，主管機關得採行下列哪些措施？ A.不得以現金分配盈餘 B.不得以現金買回流通在外股份 C.限期提出資本重建計畫 D.限期提出財務業務改善計畫",25,{"id":35,"question":36,"qno":37},"risk_mgmt-20-026","保險公司的資本適足率至少須達多少以上，才可申請從事衍生性金融商品交易之業務？",26,{"id":39,"question":40,"qno":41},"risk_mgmt-20-027","有關證券業在不同資本適足率下之業務規範及限制，下列敘述何者錯誤？",27,{"id":43,"question":44,"qno":45},"risk_mgmt-20-029","有關信用風險的資本計提，下列何者不屬於內部評等法(Internal Rating-Based Approach, IRB)的決定因素？",29,1785146816051]