[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-credit_adv_law-23-024":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-23-024","23",24,"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？",[13,14,15,16],"原則上以金融聯合徵信中心歸戶餘額加計本次申貸金額計算","進出口押匯之金額得予以扣除","金融聯合徵信中心歸戶餘額以訂約金額列計","提供本行定期存單十足擔保國內遠期信用狀融資之授信案件金額應予列計",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,"徵信準則要求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，以確保財報品質。總授信金額的認定，原則上以金融聯合徵信中心的歸戶「餘額」加計本次申貸金額計算，因為餘額才是實際已動用、真正承擔的信用風險；若改以訂約金額列計，僅簽約而未動用的額度也會被灌入，標準將被虛增而失真，故(C)為錯誤敘述，即為正解。(A)描述的正是上述計算原則；(B)進出口押匯以貨運單據為基礎、自償性高且週轉迅速，明文得予扣除；(D)以本行定存單十足擔保的國內遠期信用狀融資並不在扣除之列，仍應併計。","hard",[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-23-023","下列何者非屬銀行辦理短期授信案件應索取之資料？",23,{"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？",29,1785170288835]