[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-bank_audit_cf_prac-47-070":3},{"exam":4,"examName":5,"chapterSlug":6,"question":7,"related":21},"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":17,"explanation":19,"difficulty":20},"bank_audit_cf_prac-47-070","47",70,"有關「消費者貸款」之敘述，下列何者錯誤？",[13,14,15,16],"屬於消費性需要之融資","應婉拒已貸戶之利害關係人提出申請","消費金融一般可分為直接授信與間接授信","狹義之消費金融包含耐久性消費財貸款、消費者信用貸款、信用卡三種",1,"消費金融業務查核","利害關係人申請消費者貸款並非一律婉拒,只要符合銀行法規定(十足擔保、條件不得優於其他同類授信,達一定金額經董事會重度決議)仍可承作,(B) 錯誤,為正解。(A)(C)(D) 皆正確:消金屬消費用途融資,可分直接與間接授信,狹義範圍包含耐久性消費財貸款、信貸與信用卡。","medium",[22,26,30,34,38,42],{"id":23,"question":24,"qno":25},"bank_audit_cf_prac-47-046","下列何者不是消費金融產品？",46,{"id":27,"question":28,"qno":29},"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":31,"question":32,"qno":33},"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":35,"question":36,"qno":37},"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":39,"question":40,"qno":41},"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":43,"question":44,"qno":45},"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？",53,1784190252462]