[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-risk_mgmt-22-015":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","c2",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":19,"explanation":20,"difficulty":21},"risk_mgmt-22-015","22",15,"有關信用等級的移轉矩陣，下列敘述何項不符合此理論？",[13,14,15,16],"違約機率越高，信用風險越大，信用等級即越差","信用風險越低時，信用等級加碼宜越少","年初屬於某種等級，年底維持在原來等級，以及移轉至其他等級的機率，相加以後總和為 1","常理上，信用等級越佳企業，年底仍在原來等級的比率越低",3,"信用評等制度",1,"信用等級移轉矩陣把「年初在某一等級、年底跑到各等級」的機率整理成表格，用來推估未來的信用品質變化。(A)違約機率越高代表信用風險越大、等級越差，是評等制度的基本定義。(B)風險越低、需要補償的風險貼水越少，加碼自然越薄。(C)矩陣的每一橫列涵蓋維持原級與移轉到其他各級（含違約）的所有可能，機率相加必然等於 1。(D)則違反實證觀察：等級越好的企業體質越穩、被調整的機會越小，年底仍留在原等級的比率是越高而不是越低。","medium",[23,27,31,35,38,42],{"id":24,"question":25,"qno":26},"risk_mgmt-20-009","有關企業信用地位下滑之徵兆，下列敘述何者錯誤？",9,{"id":28,"question":29,"qno":30},"risk_mgmt-20-012","丁公司 2024 年 12 月 31 日的流動資產為 90,381 萬元、長期投資 33,422 萬元、固定資產 207,005 萬元、流動負債 41,189 萬元、長期負債 29,000 萬元、淨值或股東權益 261,754 萬元，請問該公司的固定長期適合率為多少？",12,{"id":32,"question":33,"qno":34},"risk_mgmt-20-014","有關受評公司資本結構之長期償債能力，下列何者不宜當作主要衡量指標？",14,{"id":36,"question":37,"qno":10},"risk_mgmt-20-015","公司債等級之決定因素，攸關「定量分析」時，下列何者最為重要？",{"id":39,"question":40,"qno":41},"risk_mgmt-20-047","依據銀行公會公佈之大型企業信用評等表，其評分構面不包括下列何者？",47,{"id":43,"question":44,"qno":45},"risk_mgmt-20-050","有關 Moody’s 對公司債等級的定量分析，下列敘述何者正確？ A.主要指標為利息保障倍數 B.主要指標為經營效能 C.次要指標為短期償債能力，財務指標是負債比率與財務槓桿比率 D.次要指標為長期償債能力，用以判斷公司是否舉債過多",50,1785146816523]