[{"data":1,"prerenderedAt":45},["ShallowReactive",2],{"q-bank_audit_cf_law-49-004":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-49-004","49",4,"下列何者屬銀行法所稱擔保授信之擔保？",[13,14,15,16],"母公司出具之保證函","借款人營業交易所發生之應收票據","信託占有","公司股東、董事出具之反面承諾書",1,"基本法令及行政規章","依銀行法第十二條，擔保授信所稱之擔保，限於不動產或動產抵押權、動產或權利質權、借款人營業交易所發生之應收票據，以及各級政府公庫主管機關、銀行或經政府核准設立之信用保證機構之保證等法定範圍。選項(B)借款人營業交易所發生之應收票據正屬其中，故為正解。(A)母公司出具之保證函僅為關係企業間之一般信用承諾，非法定合格擔保；(C)信託占有並不在銀行法列舉之擔保物範圍內；(D)公司股東、董事出具之反面承諾書僅屬消極性、道德性承諾，缺乏可供處分受償之擔保物權，均不構成擔保授信之擔保，故不選。","hard","bank_audit_law-49-004",[23,26,30,34,37,41],{"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":10},"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？",{"id":38,"question":39,"qno":40},"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":42,"question":43,"qno":44},"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？",6,1784190250969]