[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-risk_mgmt-22-022":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","c5",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":19,"explanation":20,"difficulty":21},"risk_mgmt-22-022","22",22,"A 銀行在 114 年 12 月底之信用風險加權風險性資產為新臺幣（以下同）1,000 億元，市場風險和作業風險應計提資本各為 5 億元，請問三種風險合計的加權風險性資產為下列何者？",[13,14,15,16],"1,000 億元","1,005 億元","1,010 億元","1,125 億元",3,"金融機構的資本適足制度",1,"資本適足率的分母必須統一換算成加權風險性資產，但市場風險與作業風險通常先算出「應計提資本」，得除以最低法定比率 8%（等於乘上 12.5 倍）才能還原成風險性資產。市場風險：5÷8%＝62.5 億元；作業風險：5÷8%＝62.5 億元；合計＝1,000＋62.5＋62.5＝1,125 億元，故選(D)。(B)是直接把 5 億元加上去、(C)是把兩個 5 億元加上去，兩者都漏掉 12.5 倍的還原步驟；(A)則完全忽略市場風險與作業風險。","medium",[23,26,30,34,38,42],{"id":24,"question":25,"qno":10},"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",{"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？",29,1785146816585]