[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-bank_audit_cf_prac-47-058":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-47-058","47",58,"有關消費金融業務中「信用風險」之查核重點，下列敘述何者錯誤？",[13,14,15,16],"是否定期辦理市場調查，以確認目標市場之風險","是否定期透過 MIS 修訂授信準則、信用評分系統","是否設立「待補事項登記簿」詳載尚未齊備之授信應徵提文件","是否正確產生各項條件差異之核准數字，以期符合預估之目標客層",2,"消費金融業務查核",1,"信用風險查核聚焦「授信品質的管控機制」:市場調查確認目標市場風險 (A)、透過 MIS 修訂授信準則與評分系統 (B)、核准數字是否符合預估目標客層 (D) 都屬之。「待補事項登記簿」登載未齊備的授信文件,屬文件管理的作業風險查核範疇,不是信用風險查核重點,故 (C) 為正確答案。","hard",[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-47-053","有關消費金融產品之特性，下列敘述何者錯誤？",53,1784190252353]