[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-risk_mgmt-22-009":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","c5",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":17,"explanation":19,"difficulty":20},"risk_mgmt-22-009","22",9,"銀行根據風險胃納、策略及管理所需建立之損失機率範圍，藉由內部風險管理部門，計算「非預期損失」的資本需求額時，該資本名稱應為下列何者？",[13,14,15,16],"法定資本","經濟資本","已投入資本","緩衝資本",1,"金融機構的資本適足制度","經濟資本是銀行依自身風險胃納與經營策略，先設定一個信心水準（也就是可容忍的損失機率範圍），再由內部風險管理部門自行模型化計算、用來吸收「非預期損失」所需的資本，特色在於內部自算、貼合實際風險，故選(B)。(A)法定資本是主管機關依巴塞爾資本協定訂出的最低要求，算法統一而非自訂。(C)已投入資本指股東實際繳足的資本，是會計數字。(D)緩衝資本是在最低要求之上額外加提、用來因應景氣循環的墊高部分，都不是題目描述的內部計算結果。","medium",[22,26,30,34,38,42],{"id":23,"question":24,"qno":25},"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":27,"question":28,"qno":29},"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":31,"question":32,"qno":33},"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":35,"question":36,"qno":37},"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":39,"question":40,"qno":41},"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":43,"question":44,"qno":45},"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？",29,1785146816471]