[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-risk_mgmt-21-053":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","c5",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":19,"explanation":20,"difficulty":21},"risk_mgmt-21-053","21",53,"有關資本適足率的意義，下列敘述何者正確？ A.可衡量銀行營運健全性 B.防止風險性資產造成重大損失 C.可衡量經濟成長幅度 D.提供央行調整貨幣政策參考",[13,14,15,16],"僅 AB","僅 CD","僅 ACD","ABCD",0,"金融機構的資本適足制度",1,"資本適足率是自有資本除以風險性資產，衡量銀行手上的資本能不能吸收風險性資產可能造成的損失。A 比率越高代表資本緩衝越厚、營運越健全，也是主管機關判定資本等級與是否啟動監理措施的依據；B 由於分母按風險程度加權，銀行想擴張高風險資產就必須同步增提資本，達到抑制過度承險、防止重大損失的效果，故選 (A) 僅 AB。C 經濟成長幅度看的是國內生產毛額等總體指標；D 貨幣政策取決於物價、景氣與整體資金情勢，都不是單一銀行資本適足率的功能。","easy",[23,27,31,35,39,43],{"id":24,"question":25,"qno":26},"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":28,"question":29,"qno":30},"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":32,"question":33,"qno":34},"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":36,"question":37,"qno":38},"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":40,"question":41,"qno":42},"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":44,"question":45,"qno":46},"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？",29,1785146816325]