[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-bank_audit_cf_prac-49-065":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-49-065","49",65,"下列何者可作為還款意願良好的指標？",[13,14,15,16],"負債佔所得比例","服務年資及職位","信用評分","過去的還款紀錄",3,"消費金融業務查核",1,"(D) 對:還款「意願」看的是客戶過去是否按時繳款,過去還款紀錄良好,代表履約意願高,是最直接的意願指標。(A) 負債佔所得比與 (B) 服務年資職位衡量的是還款「能力」,(C) 信用評分是能力與意願的綜合評估,都不是單純的意願指標。","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？",53,1784190254257]