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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」？","基礎授信",{"id":12,"qno":13,"question":14,"chapter":10},"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":16,"qno":17,"question":18,"chapter":19},"credit_adv_prac-24-003",3,"下列何者非屬自償性週轉資金貸款？","企業授信",{"id":21,"qno":22,"question":23,"chapter":10},"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":25,"qno":26,"question":27,"chapter":10},"credit_adv_prac-24-005",5,"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":29,"qno":30,"question":31,"chapter":10},"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":33,"qno":34,"question":35,"chapter":19},"credit_adv_prac-24-007",7,"聯合授信案中，其借款人履行貸款條件之監督、擔保品之處分及違約事項之通知，一般係由下列何者擔任？",{"id":37,"qno":38,"question":39,"chapter":19},"credit_adv_prac-24-008",8,"由民間自行覓土地籌資規劃興建，並不限期營運，無須將資產移轉給政府，此種民間參與公共建設模式稱之為何？",{"id":41,"qno":42,"question":43,"chapter":19},"credit_adv_prac-24-009",9,"大明公司年營業收入為新臺幣（以下同）2,500 萬元，四成為外銷，其內銷之國內應收帳款（含應收票據）週轉次數為 2 次，尚無銀行核予墊付國內票款額度，如以票據金額八成墊付計算，則銀行可核給該公司可墊付國內票款最高額度為多少元？",{"id":45,"qno":46,"question":47,"chapter":19},"credit_adv_prac-24-010",10,"有關銀行辦理貼現業務，下列敘述何者錯誤？",{"id":49,"qno":50,"question":51,"chapter":19},"credit_adv_prac-24-011",11,"承包工程保證，一般而言風險較高，惟在同一信用及擔保條件下，下列哪一種保證，其風險最低？",{"id":53,"qno":54,"question":55,"chapter":19},"credit_adv_prac-24-012",12,"承包工程保證依辦理先後次序排列，下列何者正確？",{"id":57,"qno":58,"question":59,"chapter":19},"credit_adv_prac-24-013",13,"下列何者非屬銀行現行保證業務之範疇？",{"id":61,"qno":62,"question":63,"chapter":19},"credit_adv_prac-24-014",14,"中長期授信評估時，銀行往往要求借款人注意履行某些特約條款，下列何者為否定條款？ A.有關第三人之保證 B.限制分紅 C.禁止出售固定資產 D.維持原經營之負責人 E.禁止債務保證",{"id":65,"qno":66,"question":67,"chapter":19},"credit_adv_prac-24-015",15,"依公司法規定，公開發行股票公司發行無擔保公司債之總額，不得逾該公司現有全部資產減去全部負債後餘額之多少？",{"id":69,"qno":70,"question":71,"chapter":19},"credit_adv_prac-24-016",16,"以銀行觀點，專案融資(project financing)應檢視之風險中，「未預期之重大資本支出」屬於下列何種風險？",{"id":73,"qno":74,"question":75,"chapter":19},"credit_adv_prac-24-017",17,"有關發行商業本票保證，下列敘述何者正確？",{"id":77,"qno":78,"question":79,"chapter":19},"credit_adv_prac-24-018",18,"銀行辦理票據承兌業務應注意審核事項，下列敘述何者錯誤？",{"id":81,"qno":82,"question":83,"chapter":84},"credit_adv_prac-24-019",19,"依主管機關規定，有關信用卡業務之敘述，下列何者錯誤？","消費者授信",{"id":86,"qno":87,"question":88,"chapter":84},"credit_adv_prac-24-020",20,"有關銀行辦理信用卡業務，下列敘述何者錯誤？",{"id":90,"qno":91,"question":92,"chapter":93},"credit_adv_prac-24-021",21,"將擔保品土地與建物之價值以合併方式計算出，再乘以貸放成數，即為放款值，此合併鑑價法較適用於下列何者？","授信擔保品估價",{"id":95,"qno":96,"question":97,"chapter":84},"credit_adv_prac-24-022",22,"有關消費者貸款的意義與特性，下列敘述何者錯誤？",{"id":99,"qno":100,"question":101,"chapter":84},"credit_adv_prac-24-023",23,"一般而言，銀行就消費性貸款商品利率訂價之主要考慮因素，下列敘述何者錯誤？",{"id":103,"qno":104,"question":105,"chapter":84},"credit_adv_prac-24-024",24,"有關消費者汽車貸款業務，下列敘述何者正確？",{"id":107,"qno":108,"question":109,"chapter":110},"credit_adv_prac-24-025",25,"有關匯率風險之規避方法，下列敘述何者正確？","外匯授信",{"id":112,"qno":113,"question":114,"chapter":110},"credit_adv_prac-24-026",26,"有關外幣保證書，下列敘述何者錯誤？",{"id":116,"qno":117,"question":118,"chapter":110},"credit_adv_prac-24-027",27,"有關三角貿易信用狀，下列敘述何者錯誤？",{"id":120,"qno":121,"question":122,"chapter":110},"credit_adv_prac-24-028",28,"有關出口押匯業務，下列敘述何者錯誤？",{"id":124,"qno":125,"question":126,"chapter":110},"credit_adv_prac-24-029",29,"有關擔保信用狀（STANDBY 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1%且為獨立事件，請問二者同時發生違約的機率為多少？",{"id":166,"qno":167,"question":168,"chapter":160},"credit_adv_prac-24-039",39,"A 銀行給予 B 公司短期信用循環額度 100 萬元，目前動用餘額為 50 萬元，假設信用風險轉換係數為 30%，則A 銀行對於 B 公司之違約曝險額為多少？",{"id":170,"qno":171,"question":172,"chapter":160},"credit_adv_prac-24-040",40,"貸款組合包括 A、B、C 三筆貸款，其曝險金額分別為 2、5、3 億元，對應之違約機率為 0.02、0.35 和 0.15，請問此組合的預期損失為多少？",{"id":174,"qno":175,"question":176,"chapter":84},"credit_adv_prac-24-041",41,"【案例】有關信用卡發卡機構核發信用卡予持卡人之相關規定，請回答下列問題：\n有關發卡機構核給持卡人信用額度應考量事項，下列何者錯誤？",{"id":178,"qno":179,"question":180,"chapter":84},"credit_adv_prac-24-042",42,"【案例】有關信用卡發卡機構核發信用卡予持卡人之相關規定，請回答下列問題：\n有關辦理學生申請信用卡業務，下列何者錯誤？",{"id":182,"qno":183,"question":184,"chapter":84},"credit_adv_prac-24-043",43,"【案例】有關信用卡發卡機構核發信用卡予持卡人之相關規定，請回答下列問題：\n有關信用卡循環信用利率之規定，下列何者正確？",{"id":186,"qno":187,"question":188,"chapter":10},"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":190,"qno":191,"question":192,"chapter":10},"credit_adv_prac-24-045",45,"【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":194,"qno":195,"question":196,"chapter":19},"credit_adv_prac-24-046",46,"【案例】銀行辦理授信應對借款人徵信，請依銀行公會徵信準則規定，請依序回答下列問題：\n下列何者屬於企業短期授信之徵信範圍？ A.產業概況 B.設備規模概況 C.業務概況 D.財務狀況 E.建廠計畫",{"id":198,"qno":199,"question":200,"chapter":19},"credit_adv_prac-24-047",47,"【案例】銀行辦理授信應對借款人徵信，請依銀行公會徵信準則規定，請依序回答下列問題：\n中小企業總授信金額在 600 萬元以下者，短期授信之徵信範圍不包括下列何者？",{"id":202,"qno":203,"question":204,"chapter":19},"credit_adv_prac-24-048",48,"【案例】銀行辦理授信應對借款人徵信，請依銀行公會徵信準則規定，請依序回答下列問題：\n辦理無追索權應收帳款承購之徵信範圍，下列何者錯誤？",1785170290107]