[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-bank_audit_cf_prac-47-046":3},{"exam":4,"examName":5,"chapterSlug":6,"question":7,"related":22},"bank_audit_cf_prac","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","c10",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":19,"explanation":20,"difficulty":21},"bank_audit_cf_prac-47-046","47",46,"下列何者不是消費金融產品？",[13,14,15,16],"信用卡","有價證券質押貸款","汽車貸款","企業週轉資金貸款",3,"消費金融業務查核",1,"消費金融的對象是「個人與家庭」,用途是消費或個人理財,如信用卡 (A)、有價證券質押貸款 (B)、汽車貸款 (C) 都屬之。企業週轉資金貸款的借款人是「企業」,用途是營運週轉,屬企業金融(法人金融)範疇,不是消費金融產品,故 (D) 為正確答案。判斷關鍵看借款人身分與資金用途。","easy",[23,27,31,35,39,43],{"id":24,"question":25,"qno":26},"bank_audit_cf_prac-47-047","稽核人員對於消費金融業務之查核，可利用之輔助工具，下列何者較不具相關性？",47,{"id":28,"question":29,"qno":30},"bank_audit_cf_prac-47-049","發卡機構受理信用卡申請時，正卡申請人及附卡申請人年齡至少各須滿幾歲？",49,{"id":32,"question":33,"qno":34},"bank_audit_cf_prac-47-051","依「信用卡業務機構管理辦法」規定，當月應繳最低付款金額超過指定繳款期限一個月至三個月者，發卡機構應提列全部墊款金額多少比率之備抵呆帳？",51,{"id":36,"question":37,"qno":38},"bank_audit_cf_prac-47-052","有關信用卡帳務作業，下列敘述何者錯誤？",52,{"id":40,"question":41,"qno":42},"bank_audit_cf_prac-47-053","有關消費金融產品之特性，下列敘述何者錯誤？",53,{"id":44,"question":45,"qno":46},"bank_audit_cf_prac-47-054","下列何者非屬影響消費金融業務之主要因素？",54,1784190252222]