[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-risk_mgmt-22-031":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-22-031","22",31,"資本適足率為 10.5%的大直銀行，使用內部評等法，對 AAA 級授信客戶，設定 14%風險權數，低於標準法使用的 20%，若該銀行承作此客戶 10 億元「無擔保授信」，請問兩種方法計算的資本計提額相差多少？",[13,14,15,16],"0.6 億元","0.063 億元","0.112 億元","0.128 億元",1,"金融機構的資本適足制度","資本計提額＝暴險金額×風險權數×最低資本比率，兩種方法只差在風險權數。標準法：10 億×20%×10.5%＝0.21 億元；內部評等法：10 億×14%×10.5%＝0.147 億元，相差 0.063 億元，也可直接寫成 10 億×（20%－14%）×10.5%，故選 (B)。(A) 0.6 億元是把 6% 的權數差乘上 10 億後，忘了再乘資本適足率。(C) 0.112 億元＝10 億×14%×8%，是把題目給的 10.5% 誤用成 8% 的結果，這是本科最典型的陷阱。(D) 0.128 億元無合理算法。","hard",[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？",29,1785146816664]