[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-bank_audit_cf_prac-47-053":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-47-053","47",53,"有關消費金融產品之特性，下列敘述何者錯誤？",[13,14,15,16],"產品要不斷創新、服務要便捷","每筆金額小，相對的承作單位成本高","多具自償性，多屬於中長期融資","每筆交易金額較小，客戶量需達一定規模才有利潤",2,"消費金融業務查核",1,"消費金融貸款用於消費支出,錢花掉後不會像企業營運資金那樣產生現金流回來還款,所以「多不具自償性」,還款靠借款人的薪資等所得;(C) 說多具自償性,敘述錯誤,為本題答案。(A) 產品需創新便捷、(B) 單筆金額小使單位成本相對高、(D) 需要客戶量達規模才有利潤,都是消金產品的正確特性。","medium",[23,27,31,35,39,43],{"id":24,"question":25,"qno":26},"bank_audit_cf_prac-47-046","下列何者不是消費金融產品？",46,{"id":28,"question":29,"qno":30},"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":32,"question":33,"qno":34},"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":36,"question":37,"qno":38},"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":40,"question":41,"qno":42},"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":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？",54,1784190252307]