[{"data":1,"prerenderedAt":39},["ShallowReactive",2],{"q-risk_mgmt-22-060":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","c10",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":19,"explanation":20,"difficulty":21},"risk_mgmt-22-060","22",60,"為避免投資人購買或交易複雜性較高之匯率類商品，導致承擔重大的風險，主管機構規定此類契約的交易期限不得超過下列何者？",[13,14,15,16],"三個月","六個月","一年","五年",2,"風險管理相關法令、辦法",1,"為避免投資人被結構複雜、槓桿倍數高的匯率類商品長期套牢，主管機關對銀行辦理複雜性高風險商品訂有天期上限：涉及匯率者，契約期限不得超過一年，同時限制比價或結算的期數不得超過十二期，並要求對非避險目的的客戶加強商品適合度評估與風險告知，故選 (C)。(A) 三個月與 (B) 六個月都短於規定，會過度限縮企業正常的避險需求。(D) 五年是長天期利率商品常見的期限，套用在匯率類商品上，投資人須承擔的匯率波動風險過大，與立法目的不符。","medium",[23,27,31,35],{"id":24,"question":25,"qno":26},"risk_mgmt-20-016","依照授信法規，銀行對於「所有利害關係人」的擔保授信總餘額，不得超過銀行淨值多少倍數？",16,{"id":28,"question":29,"qno":30},"risk_mgmt-20-018","已知 A 銀行之總資產為 6,000 億元和淨值為 800 億元，下列敘述何者正確？",18,{"id":32,"question":33,"qno":34},"risk_mgmt-20-051","銀行法對「利害關係人」之規範，下列敘述何者錯誤？",51,{"id":36,"question":37,"qno":38},"risk_mgmt-21-048","大明在全體金融機構的信用貸款餘額 85 萬元、房屋擔保貸款餘額 100 萬元，大明平均月收入為 5.5 萬元，擬向銀行申請一筆新增的信用貸款，依據金管會 2005 年 12 月 19 日發函金融機構有關「債務人於全體金融機構之無擔保債務歸戶之總餘額」規範，銀行可以核給大明的信用貸款額度最高為多少？",48,1785146816912]