[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-bank_audit_cf_prac-49-051":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-49-051","49",51,"下列何者非屬消費金融之特性？",[13,14,15,16],"不具自償性","龐大的銷售及資料處理人員","每筆承作單位成本低","產品要不斷創新、服務要便捷",2,"消費金融業務查核",1,"消費金融每筆金額小、件數龐大,單筆承作的平均成本相對偏高,必須以量制價才划算,「每筆承作單位成本低」並非其特性,故選 (C)。(A) 消金貸款多不具自償性、(B) 需要龐大的銷售與資料處理人力、(D) 產品須不斷創新、服務求便捷,皆為消金特性。","medium",[23,27,31,35,38,42],{"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":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":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？",53,1784190254068]