[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-risk_mgmt-22-048":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","c3",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":19,"explanation":20,"difficulty":21},"risk_mgmt-22-048","22",48,"某甲的房屋市值 1,600 萬元，乙銀行對於房屋第一順位抵押貸款的可貸金額為房屋市值的 75% ，並按照第一順位可貸金額的 1.2 倍設定質權；另丙銀行對於房屋第二順位抵押貸款的可貸金額為第一順位質權設定金額的 20% 。若某甲以其房屋依序向乙銀行與丙銀行貸滿第一順位與第二順位的抵押貸款，請問某甲的房屋淨值還剩多少金額？",[13,14,15,16],"112 萬元","128 萬元","144 萬元","160 萬元",0,"授信特徵與產業別的集中性風險",1,"依題目順序算：第一順位可貸金額＝1,600 萬×75%＝1,200 萬元；質權設定金額＝1,200 萬×1.2＝1,440 萬元；第二順位可貸金額＝1,440 萬×20%＝288 萬元。房屋淨值＝市值扣掉實際借款：1,600－1,200－288＝112 萬元，故選 (A)。關鍵在別把 1.2 倍的設定金額誤當借款金額，設定只是擔保權的登記上限，實際動用仍是 1,200 萬元。(D) 160 萬元正是把第二順位改用 1,200 萬×20%＝240 萬元算的；(B)(C) 則是少乘或多乘一個係數。","hard",[23,27,31,35,39,43],{"id":24,"question":25,"qno":26},"risk_mgmt-20-010","銀行辦理有追索權的應收帳款融資業務，授信對象為何？",10,{"id":28,"question":29,"qno":30},"risk_mgmt-20-011","有關企業貸款的利率水準，下列敘述何者錯誤？",11,{"id":32,"question":33,"qno":34},"risk_mgmt-20-013","有關房屋淨值放款的特性，下列何者錯誤？",13,{"id":36,"question":37,"qno":38},"risk_mgmt-20-017","有關微型企業的經營屬性與信用風險管理之敘述，下列何者錯誤？",17,{"id":40,"question":41,"qno":42},"risk_mgmt-20-019","授信業務的系統性信用風險，不包括哪項影響因素？",19,{"id":44,"question":45,"qno":38},"risk_mgmt-21-017","依銀行法規定，授信業務對同一關係企業之風險限額，下列敘述何者正確？",1785202275023]