[{"data":1,"prerenderedAt":71},["ShallowReactive",2],{"chapter-credit_adv_prac-c1":3},{"examName":4,"chapter":5,"questions":10},"進階授信人員專業能力測驗——授信實務",{"name":6,"sort":7,"count":8,"slug":9},"基礎授信",1,16,"c1",[11,15,19,23,27,31,35,39,42,46,50,53,57,60,63,67],{"id":12,"qno":7,"question":13,"session":14},"credit_adv_prac-23-001","依「中華民國銀行公會會員徵信準則」規定，銀行對下列何者之授信案件得酌情免予索取徵信資料？ 甲：會員銀行，乙：政府機關，丙：公營事業，丁：提供他行定存單十足擔保","23",{"id":16,"qno":17,"question":18,"session":14},"credit_adv_prac-23-003",3,"甲公司向銀行申請借款時辦理：A.以土地建物設定第二順位不動產抵押權，B.以機器設備設定動產抵押權，C.以定存單設定質權，請問哪些標的物必須為銀行所占有？",{"id":20,"qno":21,"question":22,"session":14},"credit_adv_prac-23-005",5,"某甲為 A 銀行之負責人，乙為甲之配偶，丙為甲之堂兄，丁為乙之妹婿，戊為甲之姨媽，己為甲之姨丈，依銀行法規定，與甲有利害關係者，下列何者正確？",{"id":24,"qno":25,"question":26,"session":14},"credit_adv_prac-23-045",45,"【案例】甲公司為製造醫事材料之有限公司，擬以其營業交易所發生之應收票據為擔保，向銀行借款，銀行要求其母公司（乙有限公司）擔任保證人，其方式係由甲公司簽發本票，乙公司在本票上簽章擔任票據保證人。請回答下列問題：\n乙公司在本票上簽章擔任票據保證人，依公司法規定，為確保保證之效力，下列敘述何者正確？",{"id":28,"qno":7,"question":29,"session":30},"credit_adv_prac-24-001","甲為 A 銀行之負責人，乙為甲之配偶，丙為甲之堂弟，丁為乙之妹婿，戊為甲之姪女，己為甲之姑丈，依銀行法規定，下列何人為「與甲有利害關係者」？","24",{"id":32,"qno":33,"question":34,"session":30},"credit_adv_prac-24-002",2,"借款資金的運用計畫，是作為審核授信案件的重要因素之一，一般而言，借款資金用途中，以下列何者為最差，銀行須承擔最高之風險？",{"id":36,"qno":37,"question":38,"session":30},"credit_adv_prac-24-004",4,"下列何種情況無須徵提會計師查核簽證之財務報表？",{"id":40,"qno":21,"question":41,"session":30},"credit_adv_prac-24-005","依「中華民國銀行公會會員徵信準則」規定，企業中長期週轉金授信總金額達新臺幣（以下同）多少元以上者，應增加償還能力分析之徵信資料？",{"id":43,"qno":44,"question":45,"session":30},"credit_adv_prac-24-006",6,"銀行對客戶之利息請求，依民法規定，下列敘述何者正確？",{"id":47,"qno":48,"question":49,"session":30},"credit_adv_prac-24-044",44,"【案例】銀行法對授信業務有許多規範，請依序回答下列問題：\n銀行法對授信期間與授信用途之規範，下列何者錯誤？",{"id":51,"qno":25,"question":52,"session":30},"credit_adv_prac-24-045","【案例】銀行法對授信業務有許多規範，請依序回答下列問題：\n銀行辦理授信，應訂定合理之定價，依銀行法規定，下列何者屬於其考量之因素？ A.市場利率 B.本身資金成本 C.營運成本 D.擔保品座落 E.預期風險損失",{"id":54,"qno":7,"question":55,"session":56},"credit_adv_prac-25-001","依主管機關函釋，所謂「辦理授信之職員」係指辦理該筆授信之下列何者？","25",{"id":58,"qno":33,"question":59,"session":56},"credit_adv_prac-25-002","有關還款財源之敘述，下列敘述何者正確？",{"id":61,"qno":17,"question":62,"session":56},"credit_adv_prac-25-003","銀行員處理授信業務，如違反法律上之義務而觸犯刑事法規時，應負刑事責任，下列何者是銀行法所定有關授信業務的刑事責任？",{"id":64,"qno":65,"question":66,"session":56},"credit_adv_prac-25-041",41,"【案例】有關債權保障評估與相關規範，請回答下列問題：\n債權保障評估涵蓋內、外部保障內容，下列敘述何者錯誤？",{"id":68,"qno":69,"question":70,"session":56},"credit_adv_prac-25-042",42,"【案例】有關債權保障評估與相關規範，請回答下列問題：\n銀行辦理授信業務徵提保證人時，應確實審酌其資歷及保證能力，有關徵提保證人之規範，下列敘述何者錯誤？",1785170290035]