[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-risk_mgmt-21-050":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","c9",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":19,"explanation":20,"difficulty":21},"risk_mgmt-21-050","21",50,"有關財富管理業務的特性，下列何項內容不適當？",[13,14,15,16],"評等對象是借款客戶","執行「Know Your Customer; KYC」步驟在於瞭解客戶風險等級","進行「KYP」步驟在於說明金融商品的風險等級","業務適合度係依客戶的 KYC 與 KYP 來認定",0,"商業銀行的作業風險管理",1,"財富管理是替客戶規劃資產配置、銷售投資商品並收取手續費的業務，銀行沒有把資金借給客戶，自然不是在對借款人做授信評等，(A) 把授信業務的評等對象搬到財管來，故選 (A)。(B) KYC 是認識你的客戶，透過風險屬性評估了解客戶的風險承受度與投資經驗，據以區分客戶風險等級。(C) KYP 是認識你的商品，依波動度、複雜度與流動性標示商品風險等級。(D) 商品風險等級不得高於客戶可承受的等級，兩者比對後才判定該筆銷售是否符合適合度。","medium",[23,27,31,35,39,43],{"id":24,"question":25,"qno":26},"risk_mgmt-20-038","採用「標準法」計提作業風險的資本需求額時，該方法相較於「基本指標法」，通常對資本計提的影響為：",38,{"id":28,"question":29,"qno":30},"risk_mgmt-20-043","有關作業基礎成本制度(Activity-Based Costing, ABC)，下列敘述何者正確？",43,{"id":32,"question":33,"qno":34},"risk_mgmt-20-044","有關績效評估的觀念，下列何者正確？",44,{"id":36,"question":37,"qno":38},"risk_mgmt-20-060","有關作業風險的標準法，下列敘述何者錯誤？",60,{"id":40,"question":41,"qno":42},"risk_mgmt-21-013","有關信用卡之偽冒詐欺事件，應歸類為下列何種風險型態？",13,{"id":44,"question":45,"qno":38},"risk_mgmt-21-060","有關作業風險管理權責，下列敘述何者錯誤？ A.為落實法令遵循，銀行會在第一線業務單位設置「法令遵循主管」，負責法遵宣導及法遵自評作業之檢核 B.為發揮制衡功能，總行業務管理單位所擬定相關規章及作業細則，不須會簽法遵及風管部門提供意見 C.第二道防線為有效發揮風險監督功能，亦將參與經營績效之考評 D.第三道防線負責評估前二道防線設計之程序是否有效，並查核各單位是否落實內部控制及風險控管",1785146816304]