[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-risk_mgmt-21-039":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-21-039","21",39,"依銀行資本適足性及資本等級管理辦法規定，銀行本行及合併之資本適足比率，在第一類資本比率上應符合下列何者？",[13,14,15,16],"不得低於 8%","不得低於 8.5%","不得低於 9.5%","不得低於 10.5%",1,"金融機構的資本適足制度","依銀行資本適足性及資本等級管理辦法，銀行本行及合併基礎的三道最低要求分別是普通股權益比率 7%、第一類資本比率 8.5%、資本適足率 10.5%，這是把巴塞爾資本協定的最低標準再加計 2.5% 資本保留緩衝、完全適用後的數字，故第一類資本比率選 (B)。(A) 8% 是舊制整體資本適足率的門檻，層級與對象都不同。(C) 9.5% 不是辦法所定的任何一項標準。(D) 10.5% 是整體資本適足率的要求，比第一類資本高一階，套到第一類資本就答錯了。","hard",[22,26,30,34,38,42],{"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":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？",29,1785146816195]