[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-credit_adv_law-23-023":3},{"exam":4,"examName":5,"chapterSlug":6,"question":7,"related":22},"credit_adv_law","進階授信人員專業能力測驗——授信法規","c2",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":19,"explanation":20,"difficulty":21},"credit_adv_law-23-023","23",23,"下列何者非屬銀行辦理短期授信案件應索取之資料？",[13,14,15,16],"董監事名冊影本","同一關係企業及集團企業資料表","現金流量預估表","主要負責人、保證人之資料表",2,"授信相關規章(含徵信調查、授信審查及事後管理及催收)",1,"徵信準則把企業授信應徵提的資料分為基本資料、財務資料與其他資料。短期授信著眼於營運週轉，徵提重點在借戶身分、關係人結構與已實現的財務成果，故(A)董監事名冊影本、(B)同一關係企業及集團企業資料表、(D)主要負責人與保證人資料表都是必備。至於現金流量預估表，是評估未來數年還款來源能否支應本息攤還的工具，規範上列為中長期授信才須加送的資料，短期授信原則上不須索取，故(C)為正解。實務上短期授信若有續約循環、實質長期化的情形，銀行仍宜自行加徵預估報表以掌握還款財源。","medium",[23,27,31,35,39,43],{"id":24,"question":25,"qno":26},"credit_adv_law-23-022","中華民國銀行公會所定義之「集團企業」，係指獨立存在而相互之間具有下列何種關係之企業？",22,{"id":28,"question":29,"qno":30},"credit_adv_law-23-024","依「中華民國銀行公會會員徵信準則」規定，企業總授信金額達新臺幣三千萬元以上者，應徵提會計師財務報表查核報告，有關總授信金額之認定，下列何者錯誤？",24,{"id":32,"question":33,"qno":34},"credit_adv_law-23-025","有關徵信報告，下列敘述何者錯誤？",25,{"id":36,"question":37,"qno":38},"credit_adv_law-23-027","依「中華民國銀行公會會員授信準則」規定，下列敘述何者錯誤？",27,{"id":40,"question":41,"qno":42},"credit_adv_law-23-028","依「定期存款質借及中途解約辦法」規定，有關定期存款存單之質借，下列敘述何者正確？",28,{"id":44,"question":45,"qno":46},"credit_adv_law-23-029","依經濟部中小企業認定標準規定，所稱中小企業，指依法辦理公司登記或商業登記，實收資本額在新臺幣多少元以下或經常僱用員工未滿多少人之事業？",29,1785170288813]