[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-bank_audit_prac-49-064":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-49-064","49",64,"下列何者為銀行辦理消費金融業務之信用評估時常見缺失？",[13,14,15,16],"由有權之審核人員決定核貸額度","申請時未至戶役政網站查核申請人身分並留存查詢紀錄","申請人有授信不良紀錄時，依「例外」事項辦理","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",1,"消費金融業務查核",2,"辦理消金信用評估時，未到戶役政網站查核申請人身分真偽並留存查詢紀錄，等於防冒名的第一道關卡沒做，是常見的重大缺失，故選(2)。由有權人員核定額度、對不良紀錄依例外程序審慎處理、發現冒貸立即通報聯徵及聯合信用卡中心，都是應有的正確控管。","medium",[23,26,30,34,38,42],{"id":24,"question":25,"qno":10},"bank_audit_prac-47-064","下列何者不是消費金融產品？",{"id":27,"question":28,"qno":29},"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？",65,{"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？",71,1783417887288]