[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-bank_audit_cf_prac-49-052":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-49-052","49",52,"下列何者非為消費金融業務產品規劃之常見缺失？",[13,14,15,16],"目標市場選擇錯誤","定價（利率）偏低","嚴格控管「例外」 ，差異條件比率過低","未注意環境情境變化",2,"消費金融業務查核",1,"嚴格控管例外案件、讓差異條件比率維持低檔,代表授信條件執行紀律良好,是正確的控管作法而非缺失,故選 (C)。(A) 目標市場選擇錯誤、(B) 定價偏低不足以涵蓋風險成本、(D) 未注意環境變化,才是產品規劃常見的缺失。","medium",[23,27,31,35,39,42],{"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":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":10},"bank_audit_cf_prac-47-052","有關信用卡帳務作業，下列敘述何者錯誤？",{"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？",53,1784190254094]