[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-risk_mgmt-22-013":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-22-013","22",13,"有關信用卡業務，下列敘述何者錯誤？",[13,14,15,16],"特約商店係指接收持卡人刷卡消費並簽帳的商店","所有發卡機構均從事代理收付持卡人在特約商店刷卡產生之帳款","正卡申請人應年滿 18 歲，並檢附身分證明及與還款能力相關的資料","國外交易需經由國際清算組織，居間提供發卡機構和收單機構雙方的授權和清算服務",1,"商業銀行的信用風險管理","信用卡產業把角色拆得很清楚：發卡機構負責審核持卡人、核發卡片並向持卡人請款，收單機構才是簽約特約商店、代理收付商店刷卡帳款並撥款給商店的一方，兩者可以是不同機構，因此「所有發卡機構均從事代理收付」的(B)不成立。(A)特約商店的定義正確。(C)正卡申請人須年滿 18 歲並檢附身分證明與還款能力相關資料，符合現行規定。(D)跨國交易確實透過國際組織的清算網路，居間完成發卡機構與收單機構之間的授權與清算，敘述無誤。","medium",[22,26,30,34,38,42],{"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":41},"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":43,"question":44,"qno":45},"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？",16,1785146816499]