[{"data":1,"prerenderedAt":41},["ShallowReactive",2],{"q-fintech-20-050":3},{"exam":4,"examName":5,"chapterSlug":6,"question":7,"related":21},"fintech","金融科技力知識檢定","c9",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":17,"explanation":19,"difficulty":20},"fintech-20-050","20",50,"有關英國 Zopa 的 Safeguard 敘述，下列何者錯誤？",[13,14,15,16],"類似風險準備金","資金交付保管後，Zopa 仍有支配權","用於償還違約者欠投資者的本金與利息","交由非營利性信託機構保管",1,"存貸","英國 P2P 借貸平台 Zopa 的 Safeguard 機制類似風險準備金，用於償還違約借款人欠投資者的本金與利息，且資金交由非營利性信託機構保管，故 (A)(C)(D) 正確。資金一經交付信託保管後，Zopa 即不再有支配權，以確保資金專款專用、保障投資人，故 (B) 錯誤。","hard",[22,26,30,33,36,38],{"id":23,"question":24,"qno":25},"fintech-19-018","中國大陸最早的 P2P 借貸平台為下列何者？",18,{"id":27,"question":28,"qno":29},"fintech-19-019","依據 WEF(2015)報告，P2P 借貸相較傳統金融借貸的優點，下列敘述何者錯誤？",19,{"id":31,"question":32,"qno":10},"fintech-19-050","有關 P2P 借貸平台之敘述，下列何者錯誤？",{"id":34,"question":35,"qno":25},"fintech-20-018","根據中央銀行(2019)之報告，僅協助資訊中介，屬於 P2P 借貸的何種模式？",{"id":37,"question":32,"qno":29},"fintech-20-019",{"id":39,"question":40,"qno":25},"fintech-21-018","P2P 借貸分類模式中，下列平台何者屬於資產負債表模式？",1783313308003]