[{"data":1,"prerenderedAt":143},["ShallowReactive",2],{"chapter-risk_mgmt-c5":3},{"examName":4,"chapter":5,"questions":10},"風險管理基本能力測驗——風險管理制度與實務",{"name":6,"sort":7,"count":8,"slug":9},"金融機構的資本適足制度",5,37,"c5",[11,16,20,24,28,32,36,40,44,48,52,56,60,64,68,73,76,79,83,86,89,92,95,98,102,105,108,111,116,119,122,125,128,131,134,137,140],{"id":12,"qno":13,"question":14,"session":15},"risk_mgmt-20-022",22,"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","20",{"id":17,"qno":18,"question":19,"session":15},"risk_mgmt-20-023",23,"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？",{"id":21,"qno":22,"question":23,"session":15},"risk_mgmt-20-025",25,"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",{"id":25,"qno":26,"question":27,"session":15},"risk_mgmt-20-026",26,"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？",{"id":29,"qno":30,"question":31,"session":15},"risk_mgmt-20-027",27,"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？",{"id":33,"qno":34,"question":35,"session":15},"risk_mgmt-20-029",29,"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？",{"id":37,"qno":38,"question":39,"session":15},"risk_mgmt-20-030",30,"表外的非衍生性商品，估計其風險性資產時，下列敘述何者錯誤？",{"id":41,"qno":42,"question":43,"session":15},"risk_mgmt-20-031",31,"銀行的授信客戶集中在信用等級不佳的企業，常理上使用何種方法，計提的資本額較少？",{"id":45,"qno":46,"question":47,"session":15},"risk_mgmt-20-032",32,"有關信用風險的資產分類與風險權數，下列敘述何者錯誤？",{"id":49,"qno":50,"question":51,"session":15},"risk_mgmt-20-039",39,"根據 2025 年起的法規，銀行的資本等級被劃分為「資本顯著不足」，表示此銀行：",{"id":53,"qno":54,"question":55,"session":15},"risk_mgmt-20-040",40,"主管機關於必要時，得要求銀行提列抗景氣循環的緩衝資本，並以第一類資本的普通股權益支應，下列何者為計提比率的限制？",{"id":57,"qno":58,"question":59,"session":15},"risk_mgmt-20-053",53,"有關 Basel 監理委員會 2010 年 12 月 16 日發布的資本協定第三版(Basel III)，下列敘述何者錯誤？",{"id":61,"qno":62,"question":63,"session":15},"risk_mgmt-20-054",54,"有關金融控股公司的資本適足率與業務限制，下列敘述何者錯誤？",{"id":65,"qno":66,"question":67,"session":15},"risk_mgmt-20-057",57,"A 銀行藉由表內業務及表外業務構成的「信用風險性資產」，分別為新臺幣 1,500 億元與 500 億元時，依現行的資本適足規定，須計提多少資本？",{"id":69,"qno":70,"question":71,"session":72},"risk_mgmt-21-006",6,"有關風險管理概念之敘述，下列何者正確？","21",{"id":74,"qno":13,"question":75,"session":72},"risk_mgmt-21-022","有關銀行的業務限制，下列敘述何者錯誤？",{"id":77,"qno":18,"question":78,"session":72},"risk_mgmt-21-023","有關風險之資本計提，下列敘述何者錯誤？",{"id":80,"qno":81,"question":82,"session":72},"risk_mgmt-21-024",24,"依據銀行資本適足性及資本等級管理辦法，下列何者不得列為普通股權益的第一類資本？",{"id":84,"qno":22,"question":85,"session":72},"risk_mgmt-21-025","銀行因資本適足率而受到之業務規範與限制，下列敘述何者正確？ A.投資金融相關事業，其屬同一業別者，以一家為限 B.資本適足等級之銀行可發行現金儲值卡，惟金管會可限制該資本適足等級之銀行，只辦「避險」目的之衍生性業務，不可承作「交易目的」 C.申請轉投資金融相關事業的資本計提，自 2020年開始改採國際作法，細分成重大投資、非重大投資及交叉持股三部分 D.銀行的資本等級屬於資本顯著不足，不得使用現金分配盈餘，惟可以現金買回流通在外股份",{"id":87,"qno":26,"question":88,"session":72},"risk_mgmt-21-026","就臺灣證券商的資本適足率辦法規定，證券金融公司的資本適足率須至少高於下列何者？",{"id":90,"qno":30,"question":91,"session":72},"risk_mgmt-21-027","下列何種風險較不屬於人身保險業的風險項目？",{"id":93,"qno":38,"question":94,"session":72},"risk_mgmt-21-030","自 2017 年 12 月 31 日起，借款人以自用住宅做為十足擔保，設定抵押權於債權銀行以取得資金者，有關「風險權數」之敘述，下列何者正確？",{"id":96,"qno":50,"question":97,"session":72},"risk_mgmt-21-039","依銀行資本適足性及資本等級管理辦法規定，銀行本行及合併之資本適足比率，在第一類資本比率上應符合下列何者？",{"id":99,"qno":100,"question":101,"session":72},"risk_mgmt-21-046",46,"臺灣實施新的資本適足規範後，對於資本風險的衡量，集中在下列哪四大要項上？ A.信用風險 B.市場風險 C.價格風險 D.作業風險 E.流動性風險",{"id":103,"qno":58,"question":104,"session":72},"risk_mgmt-21-053","有關資本適足率的意義，下列敘述何者正確？ A.可衡量銀行營運健全性 B.防止風險性資產造成重大損失 C.可衡量經濟成長幅度 D.提供央行調整貨幣政策參考",{"id":106,"qno":62,"question":107,"session":72},"risk_mgmt-21-054","證券商的資本適足率，計算的風險範圍包括下列哪些？ A.市場風險 B.交易對象風險 C.基礎風險D.財富管理通路風險",{"id":109,"qno":66,"question":110,"session":72},"risk_mgmt-21-057","D 銀行承作二筆衍生性金融交易：其一為名目本金新臺幣 100 億元之五年期利率交換契約，適用計算權數為 0.005；其二為名目本金新臺幣 10 億元之三年期外匯交換契約，適用計算權數為 0.05。假設利率交換契約與外匯交換契約之結算價(視為二項交換契約之當期暴險額)分別為 1 億元與 0.5 億元，而衍生性金融商品之風險權數為 50%，則該二筆交換契約之信用風險性資產為下列何者？",{"id":112,"qno":113,"question":114,"session":115},"risk_mgmt-22-009",9,"銀行根據風險胃納、策略及管理所需建立之損失機率範圍，藉由內部風險管理部門，計算「非預期損失」的資本需求額時，該資本名稱應為下列何者？","22",{"id":117,"qno":13,"question":118,"session":115},"risk_mgmt-22-022","A 銀行在 114 年 12 月底之信用風險加權風險性資產為新臺幣（以下同）1,000 億元，市場風險和作業風險應計提資本各為 5 億元，請問三種風險合計的加權風險性資產為下列何者？",{"id":120,"qno":18,"question":121,"session":115},"risk_mgmt-22-023","票券金融公司之資本適足率須達到多少以上，才可辦理外幣債券及股權商品的投資？",{"id":123,"qno":22,"question":124,"session":115},"risk_mgmt-22-025","臺灣的票券金融公司在資本適足率未達多少時，不得設立分公司？",{"id":126,"qno":26,"question":127,"session":115},"risk_mgmt-22-026","有關保險公司的資本適足率與業務限制，下列敘述何者錯誤？",{"id":129,"qno":30,"question":130,"session":115},"risk_mgmt-22-027","有關證券商之資本適足率規範，下列敘述何者錯誤？",{"id":132,"qno":42,"question":133,"session":115},"risk_mgmt-22-031","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？",{"id":135,"qno":50,"question":136,"session":115},"risk_mgmt-22-039","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？",{"id":138,"qno":54,"question":139,"session":115},"risk_mgmt-22-040","按照資本適足性管理辦法，銀行發行的「長期別次順位債券」，在計算資本適足率時，具有何種資本性質？",{"id":141,"qno":62,"question":142,"session":115},"risk_mgmt-22-054","金融控股公司的資本適足率管理，須符合下列哪些？A.子公司應符合各業別資本適足性之相關規範、B.金融控股公司資本適足率須大於 100%、C.金融控股公司槓桿比率須大於 6%、D.金融控股公司負債比率小於 100%",1785146815251]