[{"data":1,"prerenderedAt":45},["ShallowReactive",2],{"q-risk_mgmt-21-056":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","c6",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":17,"explanation":19,"difficulty":20},"risk_mgmt-21-056","21",56,"下列金融業務何者較不會衍生信用風險？",[13,14,15,16],"應收帳款承購業務","財富管理業務","自用住宅貸款業務","擔保信用狀業務",1,"商業銀行的信用風險管理","信用風險來自交易對手不履約而造成的損失，只要銀行把資金或信用給出去就會產生。(A) 應收帳款承購是買下賣方的應收帳款，買方到期不付款的風險由銀行承擔。(C) 自用住宅貸款雖有不動產設定抵押，借款人仍可能違約，擔保品只降低損失程度而非消除風險。(D) 擔保信用狀是銀行對受益人承諾代為履行，申請人若無力清償，銀行必須先行墊付，屬表外的信用風險。(B) 財富管理是收取手續費的代客理財與銷售業務，投資盈虧由客戶自負，銀行不承擔還款責任，故選 (B)。","easy",[22,26,30,34,38,41],{"id":23,"question":24,"qno":25},"risk_mgmt-20-028","銀行的交易對手發現，衍生性交易明顯不利於自己時，可能選擇「不履約」，稱為下列何種風險？",28,{"id":27,"question":28,"qno":29},"risk_mgmt-20-048","仁愛銀行辦理信用卡業務時，每名好客戶平均每年創造 1,050 元利潤，又知該銀行的再投資報酬率為 5%，過去與這類好客戶平均維持 3 年的往來，請問該銀行延攬一名好客戶可為其創造多少利潤？",48,{"id":31,"question":32,"qno":33},"risk_mgmt-20-049","假設 ARMs 定儲利率指數為 2.5%，銀行承作房貸之成本加碼為 2.55%，企業金融業務有關違約風險之信用等級加碼為 1%，請根據 ARMs 房貸之利率訂價方式，計算房貸利率為何？",49,{"id":35,"question":36,"qno":37},"risk_mgmt-20-055","有關授信案之回收風險，下列敘述何者錯誤？",55,{"id":39,"question":40,"qno":10},"risk_mgmt-20-056","客戶的「直接放款風險」，通常使用下列何者衡量暴露風險？",{"id":42,"question":43,"qno":44},"risk_mgmt-21-016","銀行承作中小企業授信時，尋求「中小企業信保基金」給予保證，對於債權銀行的信用風險有何影響？",16,1785146816348]