[{"data":1,"prerenderedAt":45},["ShallowReactive",2],{"q-risk_mgmt-21-027":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-21-027","21",27,"下列何種風險較不屬於人身保險業的風險項目？",[13,14,15,16],"資產風險","信用風險","保險風險","利率風險",1,"金融機構的資本適足制度","在本測驗所採的風險資本（RBC）架構下，人身保險業的風險項目拆成資產風險、保險風險、利率風險與其他風險幾大類。(A) 資產風險來自投資部位的價值波動與債務人無法償付；(C) 保險風險指實際死亡率、疾病發生率或費用率偏離定價假設所生的損失；(D) 利率風險則因壽險負債期間長，給付與資產的利率敏感度不一致，是壽險業最核心的風險之一。(B) 信用風險在該架構下未單獨列為人身保險業的項目，交易對手違約的部分含在資產風險裡一併衡量，相較之下最不屬於，故選 (B)。","hard",[22,26,30,34,38,41],{"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":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":10},"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？",{"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？",29,1785146816098]