[{"data":1,"prerenderedAt":191},["ShallowReactive",2],{"chapter-credit_law-c2":3},{"examName":4,"chapter":5,"questions":10},"初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)",2,52,"c2",[11,16,20,24,28,32,36,40,44,48,52,56,60,64,68,72,75,78,81,84,87,90,93,97,100,104,108,111,114,117,120,125,128,132,136,140,143,146,149,152,155,158,161,164,167,170,173,176,179,182,185,188],{"id":12,"qno":13,"question":14,"session":15},"credit_law-45-027",27,"依台灣票據交換所規定，同一負責人不同公司戶與負責人個人名義之退票紀錄如何計算？","45",{"id":17,"qno":18,"question":19,"session":15},"credit_law-45-028",28,"有關徵信報告之敘述，下列何者錯誤？",{"id":21,"qno":22,"question":23,"session":15},"credit_law-45-029",29,"下列何者非屬銀行得酌情免辦徵信之授信？",{"id":25,"qno":26,"question":27,"session":15},"credit_law-45-030",30,"依「關係企業合併營業報告書關係企業合併財務報表及關係報告書編製準則」規定，關係企業合併財務報表附註應就控制公司與從屬公司分別揭露重大或有事項等相關資訊，但從屬公司之總資產及營業收入均未達控制公司各該項金額多少比率者，得免予揭露？",{"id":29,"qno":30,"question":31,"session":15},"credit_law-45-031",31,"有關「集團企業」之具體定義及界定範圍，下列何者錯誤？",{"id":33,"qno":34,"question":35,"session":15},"credit_law-45-032",32,"依「中華民國銀行公會會員授信準則」規定，下列何者為直接授信？",{"id":37,"qno":38,"question":39,"session":15},"credit_law-45-033",33,"依主管機關函釋，下列何者不是消費性貸款？",{"id":41,"qno":42,"question":43,"session":15},"credit_law-45-034",34,"依「中華民國銀行公會會員授信準則」規定，辦理授信業務之五項基本原則為何？",{"id":45,"qno":46,"question":47,"session":15},"credit_law-45-036",36,"依經濟部中小企業認定標準規定，中小企業指依法辦理公司、有限合夥或商業登記，實收資本額在新臺幣多少元以下，或經常僱用員工未滿二百人之事業？",{"id":49,"qno":50,"question":51,"session":15},"credit_law-45-039",39,"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，若甲在Ａ銀行之無擔保授信，其積欠本息超過清償期九個月，則該不良授信資產經評估應列於下列何者？",{"id":53,"qno":54,"question":55,"session":15},"credit_law-45-040",40,"依主管機關規定，准免列入逾期放款列報範圍之授信案件，若未依原分期償還契約履行時，金融機構應於何時列報逾期放款？",{"id":57,"qno":58,"question":59,"session":15},"credit_law-45-041",41,"有關銀行轉銷呆帳，下列敘述何者錯誤？",{"id":61,"qno":62,"question":63,"session":15},"credit_law-45-042",42,"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，逾期放款轉入催收款科目，下列敘述何者錯誤？",{"id":65,"qno":66,"question":67,"session":15},"credit_law-45-043",43,"依主管機關規定，金融機構承作個人消費性貸款等業務，得否以任何方式透過對第三人之干擾或催討進行催收？",{"id":69,"qno":13,"question":70,"session":71},"credit_law-46-027","依「中華民國銀行公會會員徵信準則」規定，銀行對依會計師法受下列何種處分之會計師所簽發之財務報表查核報告，自處分日起一年內如准予採用，應註明採用之原因並審慎評估？","46",{"id":73,"qno":18,"question":74,"session":71},"credit_law-46-028","授信案件展期時，擔保品應如何估價？",{"id":76,"qno":22,"question":77,"session":71},"credit_law-46-029","依主管機關規定，「已提供本行定存單設質十足擔保之授信案件」與「已提供本行存摺存款設質十足擔保之授信案件」，得否酌情免辦理徵信？",{"id":79,"qno":26,"question":80,"session":71},"credit_law-46-030","依主管機關規定，關係企業報告書編製內容應包括從屬公司與控制公司之關係及相關事項，惟下列何者非屬之？",{"id":82,"qno":30,"question":83,"session":71},"credit_law-46-031","下列何項授信案仍應辦理徵信工作？",{"id":85,"qno":34,"question":86,"session":71},"credit_law-46-032","下列何者之授信方式不具自償性功能？",{"id":88,"qno":38,"question":89,"session":71},"credit_law-46-033","下列何種資產不得作為銀行法第十二條擔保授信之擔保品？",{"id":91,"qno":42,"question":92,"session":71},"credit_law-46-034","依據經濟部中小企業發展條例所訂定之「中小企業認定標準」，經常僱用員工數係以勞動部勞工保險局受理事業最近幾個月月投保人數為準？",{"id":94,"qno":95,"question":96,"session":71},"credit_law-46-035",35,"有關不計入銀行法第三十三條第二項規定所稱之授信限額及授信總餘額內之授信種類，下列何者非屬之？",{"id":98,"qno":46,"question":99,"session":71},"credit_law-46-036","依中央主管機關規定，銀行辦理各項放款業務，下列敘述何者錯誤？",{"id":101,"qno":102,"question":103,"session":71},"credit_law-46-037",37,"依主管機關所訂定「銀行法第 33 條之 3 授權規定事項辦法」，下列何種授信必須計入本辦法所稱授信總餘額？",{"id":105,"qno":106,"question":107,"session":71},"credit_law-46-038",38,"銀行辦理放款業務時，下列敘述何者正確？",{"id":109,"qno":50,"question":110,"session":71},"credit_law-46-039","依主管機關規定，各銀行對同一客戶累計轉銷呆帳金額超過新臺幣五千萬元客戶呆帳資料，下列敘述何者錯誤？",{"id":112,"qno":54,"question":113,"session":71},"credit_law-46-040","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，協議分期償還中長期放款案件免列列報逾期放款應符合之條件，如該筆中長期放款已無殘餘年限或殘餘年限之二倍未滿五年者，分期償還期限得延長為五年，但以每年最少償還本息在百分之多少以上為原則？",{"id":115,"qno":62,"question":116,"session":71},"credit_law-46-042","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，銀行逾期放款及催收款逾清償期多久，經催收仍未收回者，應扣除可收回部分後，轉銷為呆帳，但經主管機構或金融檢查機構要求轉銷者，應即轉銷為呆帳？",{"id":118,"qno":66,"question":119,"session":71},"credit_law-46-043","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，有關各類不良授信資產定義之敘述，下列何者錯誤？",{"id":121,"qno":122,"question":123,"session":124},"credit_law-47-001",1,"下列何者屬於銀行之利害關係人？","47",{"id":126,"qno":7,"question":127,"session":124},"credit_law-47-002","依銀行法規定，銀行對下列何種放款不受最長三十年期限之限制？",{"id":129,"qno":130,"question":131,"session":124},"credit_law-47-003",3,"下列何者不在銀行法所稱「同一關係人」之範圍內？",{"id":133,"qno":134,"question":135,"session":124},"credit_law-47-004",4,"依金融控股公司法規定，金融控股公司與該金融控股公司之銀行子公司為授信以外之交易時，其條件不得優於其他同類對象，並應經公司多少以上董事出席及出席董事多少以上之決議後為之？",{"id":137,"qno":138,"question":139,"session":124},"credit_law-47-005",5,"依金融機構合併法規定，同一業別金融機構合併時，因合併而不符其他法令有關關係人授信或同一人、同一關係人或同一關係企業授信規定者，未申請延長之調整期限最長為多久？",{"id":141,"qno":13,"question":142,"session":124},"credit_law-47-027","依「中華民國銀行公會會員徵信準則」規定，有關徵信報告之編報及權責，下列敘述何者錯誤？",{"id":144,"qno":18,"question":145,"session":124},"credit_law-47-028","依「中華民國銀行公會會員徵信準則」規定，個人貸款戶在各金融機構總授信金額達新臺幣若干元以上者，其個人年度收入應與最近年度綜合所得稅結算申報書影本加附繳稅取款委託書或申報繳款書影本或扣繳憑單影本核對？",{"id":147,"qno":22,"question":148,"session":124},"credit_law-47-029","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":150,"qno":26,"question":151,"session":124},"credit_law-47-030","依中華民國銀行公會函釋，下列何種授信不得自「中華民國銀行公會會員徵信準則」所稱「總授信金額」中扣除？",{"id":153,"qno":30,"question":154,"session":124},"credit_law-47-031","依台灣票據交換所規定，拒絕往來提前解除資訊之揭露期限，自拒絕往來提前解除之日起揭露多久後，即不再對外提供查詢？",{"id":156,"qno":34,"question":157,"session":124},"credit_law-47-032","透支係指銀行於借款人之下列何種存款帳戶無餘額或餘額不足時，先予墊付之融通業務？",{"id":159,"qno":38,"question":160,"session":124},"credit_law-47-033","銀行對消費者從事與信用有關之交易時，應於行銷廣告揭示下列何種費率？",{"id":162,"qno":42,"question":163,"session":124},"credit_law-47-034","依主管機關規定，銀行對同一公營事業（例如台灣電力公司）之授信總餘額，不得超過下列何種標準？",{"id":165,"qno":95,"question":166,"session":124},"credit_law-47-035","有關銀行法第三十三條，銀行對其持有實收資本總額百分之五以上之企業，或本行負責人、職員或主要股東，或對與本行負責人或辦理授信之職員有利害關係者為擔保授信之敘述，下列何者錯誤？",{"id":168,"qno":46,"question":169,"session":124},"credit_law-47-036","有關銀行辦理「貼現」業務之敘述，下列何者正確？",{"id":171,"qno":102,"question":172,"session":124},"credit_law-47-037","依主管機關規定，銀行辦理自用住宅放款應遵循事項，下列何者錯誤？",{"id":174,"qno":106,"question":175,"session":124},"credit_law-47-038","依主管機關規定，下列何者係屬銀行法第三十三條第二項所稱之授信條件？",{"id":177,"qno":50,"question":178,"session":124},"credit_law-47-039","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，銀行對資產負債表表內及表外之授信資產，共分為五類資產，提列備抵呆帳及保證責任準備時，第二類至第五類授信資產至少應提列各債權餘額之多少？",{"id":180,"qno":54,"question":181,"session":124},"credit_law-47-040","依主管機關函示，銀行之債務人如無逾期情事之授信案件，惟擔保品已遭其他債權人強制執行，是否屬「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」所稱之逾期放款？",{"id":183,"qno":58,"question":184,"session":124},"credit_law-47-041","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，協議分期償還案件依免列報逾期放款之範圍，原係短期放款者，以每年償還本息在 10％以上為原則，惟期限最長以幾年為限？",{"id":186,"qno":62,"question":187,"session":124},"credit_law-47-042","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，下列何者符合中、長期放款協議分期償還案件免列報為逾期放款之條件？",{"id":189,"qno":66,"question":190,"session":124},"credit_law-47-043","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，有關逾期放款及催收款項之轉銷，下列敘述何者錯誤？",1785146811309]