[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-bank_audit_cf_law-48-039":3},{"exam":4,"examName":5,"chapterSlug":6,"question":7,"related":23},"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":19,"explanation":20,"difficulty":21,"canonicalId":22},"bank_audit_cf_law-48-039","48",39,"有關信用卡申請書上另行附加勾選其他非經客戶同意申請之卡片，下列敘述何者正確？",[13,14,15,16],"僅發卡機構所屬職員得為之","僅委外行銷推廣人員得為之","發卡機構所屬職員及委外行銷推廣人員均得為之","發卡機構所屬職員及委外行銷推廣人員均不得為之",3,"基本法令及行政規章",1,"本題考信用卡搭售的禁止規範。在信用卡申請書上另行附加勾選客戶未同意申請的其他卡片，屬誘導、變相搭售的不當行銷，可能使客戶在不知情下多辦卡片。此類行為不論由(A)發卡機構所屬職員或(B)委外行銷推廣人員為之均被禁止，故答案為(D)兩者均不得為之。(A)、(B)、(C)之所以錯誤，是因只要允許任一方為之，就違反尊重客戶意願、不得搭售的消費者保護原則。記憶重點：凡涉及未經客戶明示同意而增加其權利義務的行為，無論由內部職員或委外人員操作，一律禁止，責任不因委外而轉嫁或減免。","medium","bank_audit_law-48-039",[24,27,31,34,38,42],{"id":25,"question":26,"qno":19},"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":28,"question":29,"qno":30},"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":32,"question":33,"qno":17},"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？",{"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？",6,1784190250751]