[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-risk_mgmt-22-039":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-22-039","22",39,"依銀行資本適足性及資本等級管理辦法規定，銀行的資本等級被劃分為「資本嚴重不足」時，此銀行的資本適足率為多少？",[13,14,15,16],"資本適足比率未達 2%","資本適足比率達 2%以上但未達 8.5%","資本適足比率達 8.5%以上但未達 10.5%","資本適足比率達 10.5%",0,"金融機構的資本適足制度",1,"銀行資本等級依自有資本與風險性資產的比率由高到低分成資本適足、資本不足、資本顯著不足、資本嚴重不足四級。依該辦法第八條，最低一級的「資本嚴重不足」門檻是資本適足率低於 2%，另外淨值占資產總額比率低於 2% 者也一併視為資本嚴重不足，主管機關此時可採接管、勒令停業等最嚴厲的處置，故選 (A)。(B) 2% 以上未達 8.5% 正好是同條所定「資本顯著不足」的區間。(C) 8.5% 以上未達 10.5% 未達法定標準，屬資本不足。(D) 10.5% 已符合法定標準，屬資本適足。","hard",[23,27,31,35,39,43],{"id":24,"question":25,"qno":26},"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":28,"question":29,"qno":30},"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":32,"question":33,"qno":34},"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":36,"question":37,"qno":38},"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":40,"question":41,"qno":42},"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":44,"question":45,"qno":46},"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？",29,1785146816733]