[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-risk_mgmt-21-051":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","c2",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":19,"explanation":20,"difficulty":21},"risk_mgmt-21-051","21",51,"有關評等模型的建置方法，下列敘述何者錯誤？",[13,14,15,16],"財務評等模型強調，只能蒐集到企業的「財務狀況」，其他構面無法納入模型","基本模型的評等強調，資料來源還包括申貸客戶的授信與外匯往來的利潤貢獻、股價等因素","將授審主管主觀判斷因素納入，作加減分調整，成為「授信戶的個別評等」","授信戶的個別評等，實務上又稱「授信特徵評等」",3,"信用評等制度",1,"授信評等要分兩個層次：針對借款人本身還款能力的借款戶評等，以及針對個別授信案件的額度、期限、擔保與受償順位所做的案件評等，後者才叫授信特徵評等。(D) 把主管加減分後得到的授信戶個別評等說成授信特徵評等，兩個層次混為一談，故選 (D)。(A) 財務評等模型的資料來源限於財務報表，其他構面確實納不進來。(B) 基本模型會再納入往來利潤貢獻、外匯實績、股價等資訊。(C) 由授審主管就非量化因素作加減分調整，是實務常見做法。","hard",[23,27,31,35,39,43],{"id":24,"question":25,"qno":26},"risk_mgmt-20-009","有關企業信用地位下滑之徵兆，下列敘述何者錯誤？",9,{"id":28,"question":29,"qno":30},"risk_mgmt-20-012","丁公司 2024 年 12 月 31 日的流動資產為 90,381 萬元、長期投資 33,422 萬元、固定資產 207,005 萬元、流動負債 41,189 萬元、長期負債 29,000 萬元、淨值或股東權益 261,754 萬元，請問該公司的固定長期適合率為多少？",12,{"id":32,"question":33,"qno":34},"risk_mgmt-20-014","有關受評公司資本結構之長期償債能力，下列何者不宜當作主要衡量指標？",14,{"id":36,"question":37,"qno":38},"risk_mgmt-20-015","公司債等級之決定因素，攸關「定量分析」時，下列何者最為重要？",15,{"id":40,"question":41,"qno":42},"risk_mgmt-20-047","依據銀行公會公佈之大型企業信用評等表，其評分構面不包括下列何者？",47,{"id":44,"question":45,"qno":46},"risk_mgmt-20-050","有關 Moody’s 對公司債等級的定量分析，下列敘述何者正確？ A.主要指標為利息保障倍數 B.主要指標為經營效能 C.次要指標為短期償債能力，財務指標是負債比率與財務槓桿比率 D.次要指標為長期償債能力，用以判斷公司是否舉債過多",50,1785146816307]