[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-credit_adv_law-23-027":3},{"exam":4,"examName":5,"chapterSlug":6,"question":7,"related":21},"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":17,"explanation":19,"difficulty":20},"credit_adv_law-23-027","23",27,"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？",[13,14,15,16],"直接授信乃銀行以直接撥貸資金之方式，貸放予借款人之融資業務","買方委託承兌屬直接授信","出口押匯屬直接授信","透支屬直接授信",1,"授信相關規章(含徵信調查、授信審查及事後管理及催收)","授信準則以「銀行有沒有實際撥出資金」區分直接與間接授信：直接授信是銀行以直接撥貸資金的方式貸放予借款人的融資業務，(A)的定義正確，週轉資金貸款、資本支出貸款、消費者貸款、貼現，以及(D)透支與(C)出口押匯都屬之。間接授信則是銀行先提供信用、待第三人請求時才付款，包括保證、承兌與開發信用狀。買方委託承兌是銀行應買方之請在匯票上為承兌，承兌當下並未撥款，到期未獲清償才由銀行墊付，性質屬間接授信中的承兌業務，故(B)把它歸為直接授信是錯誤敘述，即為正解。","medium",[22,26,30,34,38,42],{"id":23,"question":24,"qno":25},"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":27,"question":28,"qno":29},"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":31,"question":32,"qno":33},"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":35,"question":36,"qno":37},"credit_adv_law-23-025","有關徵信報告，下列敘述何者錯誤？",25,{"id":39,"question":40,"qno":41},"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":43,"question":44,"qno":45},"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？",29,1785170288870]