[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-bank_audit_cf_law-48-021":3},{"exam":4,"examName":5,"chapterSlug":6,"question":7,"related":22},"bank_audit_cf_law","銀行內部控制與內部稽核測驗(消費金融)——銀行內部控制與內部稽核法規","c1",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":17,"explanation":19,"difficulty":20,"canonicalId":21},"bank_audit_cf_law-48-021","48",21,"下列何者非屬信用卡收單機構之業務？",[13,14,15,16],"審核特約商店","核准持卡人額度","特約商店請款查詢","客戶爭議帳款處理",1,"基本法令及行政規章","本題考信用卡收單機構與發卡機構的業務分工。收單機構服務的是特約商店端，業務包括(A)審核特約商店、(C)受理特約商店請款查詢及(D)處理客戶爭議帳款等，屬商店端的管理與清算。(B)核准持卡人額度是針對持卡人進行授信與風險控管，屬發卡機構的職責，與商店端無關，故非收單機構業務，答案為(B)。判斷關鍵在於分辨交易兩端：發卡機構面對「持卡人」負責發卡、核給額度與帳單；收單機構面對「特約商店」負責簽約、請款與爭議處理，凡涉及持卡人授信者一律歸發卡端。","medium","bank_audit_law-48-021",[23,26,30,34,38,42],{"id":24,"question":25,"qno":17},"bank_audit_cf_law-47-001","銀行對遠期匯票或本票，以折扣方式預收利息而購入者，稱為下列何種業務？",{"id":27,"question":28,"qno":29},"bank_audit_cf_law-47-002","某商業銀行之主要股東甲，其家族成員包括甲之父親、甲妻及未成年子女乙、丙均持有該銀行之股份，則在計算主要股東持股時，下列何者之持股不必與甲之持股合併計算？",2,{"id":31,"question":32,"qno":33},"bank_audit_cf_law-47-003","針對借款人所提質物或抵押物之放款值，下列何者不是銀行覈實決定之依據？",3,{"id":35,"question":36,"qno":37},"bank_audit_cf_law-47-004","依「金融控股公司法」規定，金融控股公司所有子公司對同一法人為授信交易合計達主管機關規定金額或比率者，應於多久期間內，向主管機關申報？",4,{"id":39,"question":40,"qno":41},"bank_audit_cf_law-47-005","依銀行法規定，商業銀行投資非金融相關事業之總額不得超過投資時淨值之百分之多少？",5,{"id":43,"question":44,"qno":45},"bank_audit_cf_law-47-006","依「金融控股公司及銀行業內部控制及稽核制度實施辦法」規定，會計師辦理銀行年度財務報表查核簽證時，受查銀行有下列何項情況可不立即通報主管機關？",6,1784190250455]