[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-bank_audit_prac-49-070":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-49-070","49",70,"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」、把差異條件比率壓低，正是良好的風險紀律，屬應鼓勵的作法，不是缺失，故非常見缺失者選(3)。目標市場選錯、定價利率偏低導致無法覆蓋風險與成本、忽略外在環境情境變化，才是產品規劃階段真正常見的敗筆。","hard",[23,27,31,35,39,42],{"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":30},"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":32,"question":33,"qno":34},"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":36,"question":37,"qno":38},"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":40,"question":41,"qno":10},"bank_audit_prac-47-070","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_prac-47-071","有關消費金融產品之特性，下列敘述何者錯誤？",71,1783417887362]