[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-credit_adv_law-23-032":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-23-032","23",32,"銀行辦理授信業務，得否要求下列事項？ A.授信款項須有一定比率回存借戶相關帳戶中不得動用 B.搭配購買壽險作為授信准駁條件",[13,14,15,16],"AB 均不得","A 得 B 不得","A 不得 B 得","AB 均得",0,"授信相關規章(含徵信調查、授信審查及事後管理及催收)",1,"主管機關與銀行公會早已明令，銀行不得以「回存」作為承作授信的條件。要求借戶把撥貸款項按一定比率存回帳戶且不得動用，等於借款人付了全額利息卻只用得到部分資金，實質利率被墊高，帳面授信餘額也虛增，屬於不當的授信條件。搭配購買壽險作為准駁條件同樣不許，那是把授信與保險商品綁在一起的不當搭售，違反公平待客原則與金融消費者保護法要求的商品銷售分離精神，客戶要不要投保應由其自主決定。兩項作法都在禁止之列，故(A)為正解；(B)(C)(D)都誤放行了其中一項或兩項。","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-23-023","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-23-024","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":36,"question":37,"qno":38},"credit_adv_law-23-025","有關徵信報告，下列敘述何者錯誤？",25,{"id":40,"question":41,"qno":42},"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":44,"question":45,"qno":46},"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？",28,1785170288917]