[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-risk_mgmt-22-059":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","c8",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":19,"explanation":20,"difficulty":21},"risk_mgmt-22-059","22",59,"下列哪項敘述，無法反映該銀行存在嚴重的流動性風險？",[13,14,15,16],"借款客戶出現嚴重違約，銀行發生擠兌","銀行的資產與負債項目，面臨期限結構不一致，且隨著時間演進而擴大「負」缺口部位","存在超額準備，且流動準備比率維持在 15%以上","銀行對外籌措資金窒礙難行",2,"商業銀行的流動性風險與利率風險管理",1,"流動性風險的警訊是「錢調不出來」。(A) 借戶大量違約使資產無法回收，又碰上存戶擠兌，資金瞬間流出，是最嚴重的徵兆。(B) 資產與負債期限結構錯配且負缺口隨時間擴大，代表未來各期到期的負債超過到期的資產，資金落差越滾越大。(D) 對外籌措資金窒礙難行，等於補血管道被切斷。(C) 情況剛好相反：存有超額準備、流動準備比率又維持在法定下限 10% 之上並達 15%，表示可隨時變現的資產充裕，是流動性健康的表徵，故無法反映流動性風險的是 (C)。","medium",[23,27,31,35,39,43],{"id":24,"question":25,"qno":26},"risk_mgmt-20-006","市場利率變動，導致資產負債之經濟價值跟著變動的風險，係稱為下列何種風險？",6,{"id":28,"question":29,"qno":30},"risk_mgmt-20-007","美國的儲蓄貸款機構於 1980 年代出現倒閉風潮，係受到下列何種風險威脅金融機構的例證？",7,{"id":32,"question":33,"qno":34},"risk_mgmt-20-024","依銀行流動性覆蓋比率實施標準，有關流動性覆蓋比率，下列敘述何者錯誤？",24,{"id":36,"question":37,"qno":38},"risk_mgmt-20-035","下列何種資金來源，屬於銀行「非自主性」的債務？",35,{"id":40,"question":41,"qno":42},"risk_mgmt-20-036","觀察銀行是否存在嚴重的流動性風險，下列敘述何者錯誤？",36,{"id":44,"question":45,"qno":46},"risk_mgmt-20-037","銀行之流動性風險與利率風險管理的監督指標，下列敘述何者錯誤？",37,1785146816900]