[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-risk_mgmt-21-028":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","c6",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":19,"explanation":20,"difficulty":21},"risk_mgmt-21-028","21",28,"實務上，銀行的「債權管理」存在回收風險，該回收風險包括下列何者？ A.擔保品風險 B.第三人保證的風險 C.簽訂的法律契約風險",[13,14,15,16],"僅 A","僅 B","僅 C","ABC",3,"商業銀行的信用風險管理",1,"銀行的債權管理談的是萬一借款人違約時究竟能收回多少,回收金額取決於三道防線,任何一道失守都會讓實際回收低於預期,因此 A、B、C 都屬於回收風險,選 (D)。A 擔保品風險:不動產或設備可能因景氣下滑而跌價、處分不易或設定順位在後,拍賣所得不如原先估價。B 第三人保證的風險:保證人自身財務可能同步惡化,或與借款人同屬一個集團而風險高度連動,保證形同虛設。C 法律契約風險:契約條款約定不周、擔保物權設定程序有瑕疵或抵押權漏未辦妥登記,都可能讓銀行在訴訟或強制執行時主張不了權利。","medium",[23,26,30,34,38,42],{"id":24,"question":25,"qno":10},"risk_mgmt-20-028","銀行的交易對手發現，衍生性交易明顯不利於自己時，可能選擇「不履約」，稱為下列何種風險？",{"id":27,"question":28,"qno":29},"risk_mgmt-20-048","仁愛銀行辦理信用卡業務時，每名好客戶平均每年創造 1,050 元利潤，又知該銀行的再投資報酬率為 5%，過去與這類好客戶平均維持 3 年的往來，請問該銀行延攬一名好客戶可為其創造多少利潤？",48,{"id":31,"question":32,"qno":33},"risk_mgmt-20-049","假設 ARMs 定儲利率指數為 2.5%，銀行承作房貸之成本加碼為 2.55%，企業金融業務有關違約風險之信用等級加碼為 1%，請根據 ARMs 房貸之利率訂價方式，計算房貸利率為何？",49,{"id":35,"question":36,"qno":37},"risk_mgmt-20-055","有關授信案之回收風險，下列敘述何者錯誤？",55,{"id":39,"question":40,"qno":41},"risk_mgmt-20-056","客戶的「直接放款風險」，通常使用下列何者衡量暴露風險？",56,{"id":43,"question":44,"qno":45},"risk_mgmt-21-016","銀行承作中小企業授信時，尋求「中小企業信保基金」給予保證，對於債權銀行的信用風險有何影響？",16,1785146816113]