[{"data":1,"prerenderedAt":45},["ShallowReactive",2],{"q-bank_audit_cf_prac-48-051":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-48-051","48",51,"下列何者係屬不法之有心人士利用未具法律知識之人向銀行申貸，撥款後供其使用之詐欺模式？",[13,14,15,16],"取得未達卡","人頭貸款","盜領貸款","偽造卡",1,"消費金融業務查核","人頭貸款是歹徒利用不具法律知識的民眾出名向銀行申貸，撥款後資金供歹徒使用、債務卻由人頭承擔，故選 (B)。(A) 未達卡是攔截寄送途中的信用卡盜用；(C) 盜領是冒領他人款項；(D) 偽造卡是仿製卡片盜刷，皆與借用他人名義申貸無關。","easy",[22,26,30,34,37,41],{"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":10},"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？",{"id":38,"question":39,"qno":40},"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":42,"question":43,"qno":44},"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？",53,1784190253153]