[{"data":1,"prerenderedAt":45},["ShallowReactive",2],{"q-risk_mgmt-21-026":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","c5",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":17,"explanation":19,"difficulty":20},"risk_mgmt-21-026","21",26,"就臺灣證券商的資本適足率辦法規定，證券金融公司的資本適足率須至少高於下列何者？",[13,14,15,16],"100%","150%","200%","250%",1,"金融機構的資本適足制度","證券金融公司經營融資融券業務,槓桿倍數高又與股市行情高度連動,行情一旦反轉,擔保維持率不足的違約風險會集中爆發,因此主管機關對其資本要求比一般情況更嚴,規定資本適足率須維持在百分之一百五十以上,故選 (B)。這個門檻同時是分級管理的警戒線:低於標準時,主管機關可命令限期改善,並限制其業務範圍、分支機構設立或盈餘分配。(A) 百分之一百只是自有資本剛好等於風險約當額的水準,對高槓桿的信用交易業務緩衝明顯不足。(C) 百分之二百與 (D) 百分之二百五十都高於法規要求的最低標準,並非法定門檻。","hard",[22,26,30,34,37,41],{"id":23,"question":24,"qno":25},"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",22,{"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":10},"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？",{"id":38,"question":39,"qno":40},"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":42,"question":43,"qno":44},"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？",29,1785146816086]