[{"data":1,"prerenderedAt":38},["ShallowReactive",2],{"q-risk_mgmt-21-048":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","c10",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":17,"explanation":19,"difficulty":20},"risk_mgmt-21-048","21",48,"大明在全體金融機構的信用貸款餘額 85 萬元、房屋擔保貸款餘額 100 萬元，大明平均月收入為 5.5 萬元，擬向銀行申請一筆新增的信用貸款，依據金管會 2005 年 12 月 19 日發函金融機構有關「債務人於全體金融機構之無擔保債務歸戶之總餘額」規範，銀行可以核給大明的信用貸款額度最高為多少？",[13,14,15,16],"25 萬元","36 萬元","51 萬元","64 萬元",1,"風險管理相關法令、辦法","金管會為抑制無擔保債務過度擴張，規範債務人在全體金融機構的無擔保債務歸戶總餘額，不得超過其平均月收入的二十二倍。大明月收入 5.5 萬元，總額上限為 5.5 × 22 = 121 萬元；既有信用貸款 85 萬元屬無擔保債務，必須先扣除，房屋擔保貸款 100 萬元已有不動產設定擔保，不列入無擔保歸戶，因此新增額度上限為 121 - 85 = 36 萬元，故選 (B)。(A)(C)(D) 分別是誤用倍數，或把有擔保的房貸也算進無擔保餘額所得到的數字。","hard",[22,26,30,34],{"id":23,"question":24,"qno":25},"risk_mgmt-20-016","依照授信法規，銀行對於「所有利害關係人」的擔保授信總餘額，不得超過銀行淨值多少倍數？",16,{"id":27,"question":28,"qno":29},"risk_mgmt-20-018","已知 A 銀行之總資產為 6,000 億元和淨值為 800 億元，下列敘述何者正確？",18,{"id":31,"question":32,"qno":33},"risk_mgmt-20-051","銀行法對「利害關係人」之規範，下列敘述何者錯誤？",51,{"id":35,"question":36,"qno":37},"risk_mgmt-22-060","為避免投資人購買或交易複雜性較高之匯率類商品，導致承擔重大的風險，主管機構規定此類契約的交易期限不得超過下列何者？",60,1785146816290]