[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-risk_mgmt-22-010":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","c6",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":19,"explanation":20,"difficulty":21},"risk_mgmt-22-010","22",10,"衡量企業取得資金之後的經營效能，下列何者錯誤？",[13,14,15,16],"存貨週轉率越高，企業經營效能越好","應收帳款週轉率越高，企業經營效能越好","總資產週轉率越高，企業經營效能越好","應付帳款週轉率越高，企業還款壓力越輕",3,"商業銀行的信用風險管理",1,"週轉率衡量企業運用資源創造營收的效率，(A)存貨、(B)應收帳款、(C)總資產三項週轉率越高，分別代表存貨去化快、收款速度快、資產運用效率佳，經營效能確實越好。(D)則要反過來看：應付帳款週轉率的分子是進貨或銷貨成本、分母是平均應付帳款，數字越高代表付款週期越短、供應商給的信用期間越少，企業得更快掏現金出去，資金壓力是加重而非減輕；壓力輕的情況反而是週轉率偏低、能合理拉長付款天期，故(D)敘述錯誤。","medium",[23,27,31,35,39,43],{"id":24,"question":25,"qno":26},"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":28,"question":29,"qno":30},"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":32,"question":33,"qno":34},"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":36,"question":37,"qno":38},"risk_mgmt-20-055","有關授信案之回收風險，下列敘述何者錯誤？",55,{"id":40,"question":41,"qno":42},"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？",56,{"id":44,"question":45,"qno":46},"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？",16,1785146816482]