[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-bank_audit_prac-48-065":3},{"exam":4,"examName":5,"chapterSlug":6,"question":7,"related":22},"bank_audit_prac","銀行內部控制與內部稽核測驗(一般金融)——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_prac-48-065","48",65,"下列何者非屬銀行辦理消費金融業務授信評估時常見缺失？",[13,14,15,16],"房屋貸款所徵之擔保品不良","客戶資料建檔不正確","經由核准授權不足之人員核准","發現有冒名申貸時，立即通報聯徵中心及聯合信用卡處理中心",3,"消費金融業務查核",1,"擔保品不良、客戶資料建檔錯誤、由授權不足人員核准，都是授信評估常見的缺失。而(4)發現冒名申貸立即通報聯徵中心及聯合信用卡處理中心，是正確且應做的防弊處置，屬正面作為而非缺失，故答案為(4)。","medium",[23,27,30,34,38,42],{"id":24,"question":25,"qno":26},"bank_audit_prac-47-064","下列何者不是消費金融產品？",64,{"id":28,"question":29,"qno":10},"bank_audit_prac-47-065","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？",{"id":31,"question":32,"qno":33},"bank_audit_prac-47-067","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？",67,{"id":35,"question":36,"qno":37},"bank_audit_prac-47-069","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？",69,{"id":39,"question":40,"qno":41},"bank_audit_prac-47-070","有關信用卡帳務作業，下列敘述何者錯誤？",70,{"id":43,"question":44,"qno":45},"bank_audit_prac-47-071","有關消費金融產品之特性，下列敘述何者錯誤？",71,1783417886476]