[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-bank_audit_cf_law-49-026":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-49-026","49",26,"依「中華民國銀行公會會員徵信準則」規定，中小企業總授信金額最多在新臺幣幾百萬元以下，其徵信範圍得以簡化？",[13,14,15,16],"三百萬元","四百萬元","五百萬元","六百萬元",3,"基本法令及行政規章",1,"依中華民國銀行公會會員徵信準則，考量中小企業規模較小、授信金額有限，為節省作業成本並兼顧風險控管，對總授信金額在新臺幣六百萬元以下者，得簡化其徵信範圍，故(D)六百萬元為法定簡化門檻的上限，正解。(A)三百萬元、(B)四百萬元、(C)五百萬元均低於該門檻，並非準則所定之簡化金額上限。應注意此係以「總授信金額」而非單筆金額判斷，且簡化徵信並不等於免徵信，仍須留存基本查證與財務資料，只是範圍得予減省，故正確數字為六百萬元。","hard","bank_audit_law-49-026",[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？",6,1784190251237]