[{"data":1,"prerenderedAt":180},["ShallowReactive",2],{"chapter-credit_adv_law-c2":3},{"examName":4,"chapter":5,"questions":10},"進階授信人員專業能力測驗——授信法規",{"name":6,"sort":7,"count":8,"slug":9},"授信相關規章(含徵信調查、授信審查及事後管理及催收)",2,48,"c2",[11,16,20,24,28,32,36,40,44,48,52,56,60,64,68,72,75,79,82,85,88,91,94,97,100,103,106,110,114,118,122,126,130,133,135,138,142,145,148,151,154,157,160,163,166,169,172,176],{"id":12,"qno":13,"question":14,"session":15},"credit_adv_law-23-022",22,"中華民國銀行公會所定義之「集團企業」，係指獨立存在而相互之間具有下列何種關係之企業？","23",{"id":17,"qno":18,"question":19,"session":15},"credit_adv_law-23-023",23,"下列何者非屬銀行辦理短期授信案件應索取之資料？",{"id":21,"qno":22,"question":23,"session":15},"credit_adv_law-23-024",24,"依「中華民國銀行公會會員徵信準則」規定，企業總授信金額達新臺幣三千萬元以上者，應徵提會計師財務報表查核報告，有關總授信金額之認定，下列何者錯誤？",{"id":25,"qno":26,"question":27,"session":15},"credit_adv_law-23-025",25,"有關徵信報告，下列敘述何者錯誤？",{"id":29,"qno":30,"question":31,"session":15},"credit_adv_law-23-027",27,"依「中華民國銀行公會會員授信準則」規定，下列敘述何者錯誤？",{"id":33,"qno":34,"question":35,"session":15},"credit_adv_law-23-028",28,"依「定期存款質借及中途解約辦法」規定，有關定期存款存單之質借，下列敘述何者正確？",{"id":37,"qno":38,"question":39,"session":15},"credit_adv_law-23-029",29,"依經濟部中小企業認定標準規定，所稱中小企業，指依法辦理公司登記或商業登記，實收資本額在新臺幣多少元以下或經常僱用員工未滿多少人之事業？",{"id":41,"qno":42,"question":43,"session":15},"credit_adv_law-23-030",30,"銀行辦理無追索權之應收帳款承購業務，下列敘述何者錯誤？",{"id":45,"qno":46,"question":47,"session":15},"credit_adv_law-23-031",31,"下列何者非屬中小企業信用保證基金送保方式？",{"id":49,"qno":50,"question":51,"session":15},"credit_adv_law-23-032",32,"銀行辦理授信業務，得否要求下列事項？ A.授信款項須有一定比率回存借戶相關帳戶中不得動用 B.搭配購買壽險作為授信准駁條件",{"id":53,"qno":54,"question":55,"session":15},"credit_adv_law-23-033",33,"授信逾期未滿三個月但已向主、從債務人訴追或處分擔保品者，依主管機關規定，下列敘述何者錯誤？",{"id":57,"qno":58,"question":59,"session":15},"credit_adv_law-23-034",34,"某甲向 A 銀行貸款，約定繳息方式為按月繳息，約定繳息期間為每月 6 日至下月 5 日，若某甲繳息至 111 年 8月 5 日，即未再繳息，則對某甲放款之利息延滯起算認定點為何？",{"id":61,"qno":62,"question":63,"session":15},"credit_adv_law-23-035",35,"某甲向銀行申借之短期貸款 200 萬元已到期，積欠利息 5 萬元，如擬與銀行協議分期償還，以免列報為逾期放款，下列敘述何者錯誤？",{"id":65,"qno":66,"question":67,"session":15},"credit_adv_law-23-036",36,"依「銀行資產評估損失準備提列及逾期放款催收款呆帳處理辦法」規定，有關「呆帳」相關事項之處理，下列敘述何者錯誤？",{"id":69,"qno":70,"question":71,"session":15},"credit_adv_law-23-037",37,"甲銀行於年底評估授信資產，其中不良授信資產共新臺幣十億元，依「銀行資產評估損失準備提列及逾期放款催收款呆帳處理辦法」規定，提存最低標準備抵呆帳及保證責任準備，下列敘述何者錯誤？",{"id":73,"qno":8,"question":74,"session":15},"credit_adv_law-23-048","【案例】A 公司向 B 銀行貸款，逾期未繳本息，B 銀行依規定扣除預估可收回部分後將該逾期放款轉銷為呆帳。請回答下列問題：\n有關轉銷呆帳之敘述，下列何者錯誤？",{"id":76,"qno":13,"question":77,"session":78},"credit_adv_law-24-022","票交所提供「包括清償贖回、提存備付及重提付訖之註記」資訊，稱為下列何者？","24",{"id":80,"qno":18,"question":81,"session":78},"credit_adv_law-24-023","依主管機關規定，民營營利事業申貸時，其總授信金額達新臺幣三千萬元應提供會計師財務簽證報告，所稱總授信金額，下列敘述何者錯誤？",{"id":83,"qno":22,"question":84,"session":78},"credit_adv_law-24-024","依銀行公會所定徵信調查相關規章，下列敘述何者正確？",{"id":86,"qno":34,"question":87,"session":78},"credit_adv_law-24-028","銀行辦理購屋貸款收取提前清償違約金，下列敘述何者錯誤？",{"id":89,"qno":42,"question":90,"session":78},"credit_adv_law-24-030","依主管機關規定，銀行辦理消費性貸款，下列敘述何者正確？",{"id":92,"qno":50,"question":93,"session":78},"credit_adv_law-24-032","下列何者非屬「中小企業信用保證基金」之保證對象？",{"id":95,"qno":58,"question":96,"session":78},"credit_adv_law-24-034","依「銀行資產評估損失準備提列及逾期放款催收款呆帳處理辦法」規定，有關催收款之敘述，下列何者錯誤？",{"id":98,"qno":62,"question":99,"session":78},"credit_adv_law-24-035","逾期放款總額占放款總額之比率稱為下列何者？",{"id":101,"qno":66,"question":102,"session":78},"credit_adv_law-24-036","銀行對同一客戶逾期債權累計轉銷呆帳達一定金額應予揭露之規定，下列敘述何者錯誤？",{"id":104,"qno":70,"question":105,"session":78},"credit_adv_law-24-037","借戶現欠 200 萬元，抵押物法院拍賣底價為 550 萬元，列報逾期放款日期為 102 年 7 月 31 日，此筆不良授信至 102 年 8 月下旬進行資產評估，應列為下列何類？",{"id":107,"qno":108,"question":109,"session":78},"credit_adv_law-24-040",40,"依「中華民國銀行公會會員徵信準則」規定，中長期週轉資金授信，總授信金額達新臺幣二億元者，下列何者非需加送之資料？",{"id":111,"qno":112,"question":113,"session":78},"credit_adv_law-24-041",41,"【案例】有關銀行辦理應收帳款承購業務相關規定，請回答下列問題：\n有關有追索權之應收帳款承購業務，列報逾期放款之規定，下列何者正確？",{"id":115,"qno":116,"question":117,"session":78},"credit_adv_law-24-042",42,"【案例】有關銀行辦理應收帳款承購業務相關規定，請回答下列問題：\n有關應收帳款承購業務備抵呆帳提列之規定，下列何者正確？",{"id":119,"qno":120,"question":121,"session":78},"credit_adv_law-24-043",43,"【案例】有關銀行辦理消費性放款應注意之規定，請回答下列問題：\n有關辦理消費性放款應注意事項，下列何者錯誤？",{"id":123,"qno":124,"question":125,"session":78},"credit_adv_law-24-044",44,"【案例】有關銀行辦理消費性放款應注意之規定，請回答下列問題：\n金融機構辦理消費性放款相關事務之處理，下列何者錯誤？",{"id":127,"qno":13,"question":128,"session":129},"credit_adv_law-25-022","客戶新年度會計師財務報表查核報告未能於會計年度結束五個月內提出，遇有授信展期、續約或申請新案時，下列何種做法不符規定？","25",{"id":131,"qno":18,"question":132,"session":129},"credit_adv_law-25-023","依中華民國銀行公會會員徵信準則規定，下列敘述何者錯誤？",{"id":134,"qno":22,"question":132,"session":129},"credit_adv_law-25-024",{"id":136,"qno":26,"question":137,"session":129},"credit_adv_law-25-025","依中華民國銀行公會會員徵信準則規定，有關對企業授信案件之徵信，下列何者不是短期授信之範圍？",{"id":139,"qno":140,"question":141,"session":129},"credit_adv_law-25-026",26,"銀行對授信戶提供之會計師財務報表查核報告，下列敘述何者正確？",{"id":143,"qno":34,"question":144,"session":129},"credit_adv_law-25-028","依中華民國銀行公會會員授信準則規定，下列何種授信得以盈餘或利潤做為還款來源？",{"id":146,"qno":38,"question":147,"session":129},"credit_adv_law-25-029","下列何種授信業務，不屬於間接授信？",{"id":149,"qno":42,"question":150,"session":129},"credit_adv_law-25-030","依中華民國銀行公會會員授信準則規定，銀行對授信案件審核之作業程序，下列敘述何者錯誤？",{"id":152,"qno":46,"question":153,"session":129},"credit_adv_law-25-031","依中華民國銀行公會會員授信準則規定，有關銀行辦理授信業務，下列敘述何者錯誤？",{"id":155,"qno":54,"question":156,"session":129},"credit_adv_law-25-033","依主管機關規定，積欠本金或利息未超過清償期三個月，但已向主、從債務人訴追或處分擔保品者，應列報逾期放款，其中訴追之涵義，下列敘述何者正確？",{"id":158,"qno":58,"question":159,"session":129},"credit_adv_law-25-034","依主管機關規定，債務人向金融機構申請前置協商期間，金融機構得否將不良債權讓售予資產管理公司？",{"id":161,"qno":62,"question":162,"session":129},"credit_adv_law-25-035","某甲向銀行申借之短期貸款已到期，且有積欠利息，如擬與銀行協議分期償還，以免列報逾期放款，下列敘述何者錯誤？",{"id":164,"qno":66,"question":165,"session":129},"credit_adv_law-25-036","依主管機關規定，對於已轉列呆帳損失之各項放款，下列敘述何者錯誤？",{"id":167,"qno":70,"question":168,"session":129},"credit_adv_law-25-037","依銀行資產評估損失準備提列及逾期放款催收款呆帳處理辦法規定，不良授信資產被歸類為「應注意者」，下列敘述何者錯誤？",{"id":170,"qno":124,"question":171,"session":129},"credit_adv_law-25-044","【案例】大發公司欲向甲銀行申請企業貸款，依中華民國銀行公會會員徵信準則規定，請回答下列銀行辦理徵信相關問題：\n大發公司如欲申請短期營運週轉金新臺幣 1,500 萬元，請問依規定應徵提下列何種財務報表？",{"id":173,"qno":174,"question":175,"session":129},"credit_adv_law-25-045",45,"【案例】大發公司欲向甲銀行申請企業貸款，依中華民國銀行公會會員徵信準則規定，請回答下列銀行辦理徵信相關問題：\n大發公司如欲申請中期營運週轉金新臺幣 3 億元，請問依規定除上題之財務報表外，應再增徵提之文件，下列何者不屬之？",{"id":177,"qno":178,"question":179,"session":129},"credit_adv_law-25-046",46,"【案例】大發公司欲向甲銀行申請企業貸款，依中華民國銀行公會會員徵信準則規定，請回答下列銀行辦理徵信相關問題：\n承上題，若大發公司成立尚未滿一年，請問依規定其原應提供之會計師財務報表查核報告，得以下列何者代替？",1785170288507]