[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-risk_mgmt-21-049":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","c3",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":19,"explanation":20,"difficulty":21},"risk_mgmt-21-049","21",49,"有關消費金融之業務特點 ，下列敘述何者錯誤？",[13,14,15,16],"利率訂價相對具僵硬性且偏高","業務成長循環和景氣榮枯存在高度相關性","因規模經濟導致其每筆作業成本是所有放款項目中最低","借款人普遍對利率變化缺乏敏感性",2,"授信特徵與產業別的集中性風險",1,"消費金融的本質是筆數多、單筆金額小，徵信、對保、帳務維護與催收的固定作業成本必須分攤在很小的授信金額上，換算下來每筆單位作業成本反而是各類放款中偏高的，說靠規模經濟壓到最低並不成立，故 (C) 錯誤。(A) 消金多採牌告方式訂價，調整不如企金靈活，且因無擔保、風險溢酬高而利率偏高。(B) 民眾的消費與借款意願隨景氣起伏，逾期率也與失業率連動，循環相關性高。(D) 借款人多半只看每月要還多少，對利率變動相對不敏感。","medium",[23,27,31,35,39,43],{"id":24,"question":25,"qno":26},"risk_mgmt-20-010","銀行辦理有追索權的應收帳款融資業務，授信對象為何？",10,{"id":28,"question":29,"qno":30},"risk_mgmt-20-011","有關企業貸款的利率水準，下列敘述何者錯誤？",11,{"id":32,"question":33,"qno":34},"risk_mgmt-20-013","有關房屋淨值放款的特性，下列何者錯誤？",13,{"id":36,"question":37,"qno":38},"risk_mgmt-20-017","有關微型企業的經營屬性與信用風險管理之敘述，下列何者錯誤？",17,{"id":40,"question":41,"qno":42},"risk_mgmt-20-019","授信業務的系統性信用風險，不包括哪項影響因素？",19,{"id":44,"question":45,"qno":38},"risk_mgmt-21-017","依銀行法規定，授信業務對同一關係企業之風險限額，下列敘述何者正確？",1785146816300]