[{"data":1,"prerenderedAt":197},["ShallowReactive",2],{"past-credit_adv_prac-23":3},{"examName":4,"questions":5},"進階授信人員專業能力測驗——授信實務",[6,11,16,20,24,28,32,36,40,44,48,52,56,60,64,68,72,76,80,85,89,93,97,101,105,110,114,118,122,126,130,135,139,143,147,151,156,160,164,168,172,176,180,184,188,193],{"id":7,"qno":8,"question":9,"chapter":10},"credit_adv_prac-23-001",1,"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","基礎授信",{"id":12,"qno":13,"question":14,"chapter":15},"credit_adv_prac-23-002",2,"凡公司行號依「會計師查核簽證財務報表規則」辦理之財務報表，均可作為財務分析之用，下列何者非屬此類財務報表？","企業授信",{"id":17,"qno":18,"question":19,"chapter":10},"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":21,"qno":22,"question":23,"chapter":15},"credit_adv_prac-23-004",4,"依中小企業信用保證基金規定，有關直接保證之敘述，下列何者正確？",{"id":25,"qno":26,"question":27,"chapter":10},"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":29,"qno":30,"question":31,"chapter":15},"credit_adv_prac-23-006",6,"下列敘述何者錯誤？",{"id":33,"qno":34,"question":35,"chapter":15},"credit_adv_prac-23-007",7,"有關短期授信性質，下列敘述何者錯誤？",{"id":37,"qno":38,"question":39,"chapter":15},"credit_adv_prac-23-008",8,"大華公司經營針織品買賣業務，則其所收到之票據，依其交易性質，下列何者適宜辦理墊付國內票款？",{"id":41,"qno":42,"question":43,"chapter":15},"credit_adv_prac-23-009",9,"銀行辦理「透支」業務，下列敘述何者錯誤？",{"id":45,"qno":46,"question":47,"chapter":15},"credit_adv_prac-23-010",10,"商業本票保證，係企業發行商業本票，由銀行為之保證，供企業在貨幣市場取得資金。下列敘述何者錯誤？",{"id":49,"qno":50,"question":51,"chapter":15},"credit_adv_prac-23-011",11,"下列哪一項授信非以票據是否具有交易基礎為查核重點項目？",{"id":53,"qno":54,"question":55,"chapter":15},"credit_adv_prac-23-012",12,"銀行辦理企業週轉金融資業務，於計算其營運週轉期時，下列何者不是考慮項目？",{"id":57,"qno":58,"question":59,"chapter":15},"credit_adv_prac-23-013",13,"有關現金流量表之編製，下列敘述何者正確？",{"id":61,"qno":62,"question":63,"chapter":15},"credit_adv_prac-23-014",14,"銀行辦理中長期授信財務評估作業時，往往會作敏感性分析，就產品售價、原料成本等假設條件變動對若干定量指標之影響，下列何項指標較不重要？",{"id":65,"qno":66,"question":67,"chapter":15},"credit_adv_prac-23-015",15,"本國銀行主辦之聯貸案所需合約，除聯合授信合約外，尚包括聯貸銀行合約，通常約定各參貸銀行對借款人之所有債權為民法第二八三條之連帶債權人，該約定與下列何者有關？",{"id":69,"qno":70,"question":71,"chapter":15},"credit_adv_prac-23-016",16,"有關發行公司債，下列敘述何者錯誤？",{"id":73,"qno":74,"question":75,"chapter":15},"credit_adv_prac-23-017",17,"有關中長期授信之計畫可行性評估，下列敘述何者錯誤？",{"id":77,"qno":78,"question":79,"chapter":15},"credit_adv_prac-23-018",18,"有關一般國際聯貸案手續費收費名目，下列敘述何者正確？",{"id":81,"qno":82,"question":83,"chapter":84},"credit_adv_prac-23-019",19,"有關消費者貸款之特性，下列敘述何者錯誤？","消費者授信",{"id":86,"qno":87,"question":88,"chapter":84},"credit_adv_prac-23-020",20,"有關消費者貸款本息攤還方式，在利率不變之情況下，下列敘述何者正確？",{"id":90,"qno":91,"question":92,"chapter":84},"credit_adv_prac-23-021",21,"有關個人房屋貸款業務之投保事項，下列敘述何者正確？",{"id":94,"qno":95,"question":96,"chapter":84},"credit_adv_prac-23-022",22,"有關銀行辦理汽車貸款，下列敘述何者錯誤？",{"id":98,"qno":99,"question":100,"chapter":84},"credit_adv_prac-23-023",23,"下列何者為「逆向抵押貸款」？",{"id":102,"qno":103,"question":104,"chapter":84},"credit_adv_prac-23-024",24,"消費者貸款不符合核貸標準須再送往總行核貸者，如有超過成數規定、借款人信用有瑕疵等，稱之為何？",{"id":106,"qno":107,"question":108,"chapter":109},"credit_adv_prac-23-025",25,"有關進口授信信用狀之修改，應經下列何者同意才生效？","外匯授信",{"id":111,"qno":112,"question":113,"chapter":109},"credit_adv_prac-23-026",26,"有關出口信用狀週轉金貸款業務，下列敘述何者錯誤？",{"id":115,"qno":116,"question":117,"chapter":109},"credit_adv_prac-23-027",27,"有關航空提單或郵包收據，下列敘述何者正確？",{"id":119,"qno":120,"question":121,"chapter":109},"credit_adv_prac-23-028",28,"下列有關保證函（Letter of Guarantee，簡稱 L\u002FG）與擔保信用狀(Stand-by 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為付款條件）辦理兩筆出口前外銷貸款，除信用狀及契約外，無其他擔保品或擔保條件，下列何者正確？",{"id":181,"qno":182,"question":183,"chapter":10},"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":185,"qno":186,"question":187,"chapter":134},"credit_adv_prac-23-046",46,"【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有關本票裁定之敘述，下列何者錯誤？",{"id":189,"qno":190,"question":191,"chapter":192},"credit_adv_prac-23-047",47,"不動產估價師應用成本法估價時，勘估標的之總成本中，應包括下列何項成本及費用？ A.營造或施工費 B.規劃設計費 C.廣告費、銷售費、管理費 D.稅捐及其他負擔 E.資本利息、開發或建築利潤","授信擔保品估價",{"id":194,"qno":195,"question":196,"chapter":192},"credit_adv_prac-23-048",48,"「指按工程概算項目逐項比較勘估標的與比較標的或標準建物之差異，並依工程價格及工程數量比率進行調整，以求取勘估標的營造或施工費」為下列何種估價方法？",1785170290103]