[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-bank_audit_cf_prac-47-060":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-47-060","47",60,"銀行在辦理消費金融授信審核時，下列何者非屬其評估因素？",[13,14,15,16],"還款意願","償債能力","消費能力","穩定性",2,"消費金融業務查核",1,"消金授信審核評估借款人「能不能還、願不願還、穩不穩定」:還款意願 (A) 看信用紀錄與繳款態度、償債能力 (B) 看收入與負債比、穩定性 (D) 看職業與居住狀況。「消費能力」(C) 是行銷上區隔客群的概念,消費力強不代表會還錢,不是授信評估因素,故 (C) 為正確答案。","easy",[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？",53,1784190252365]