[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-credit_adv_law-23-035":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-23-035","23",35,"某甲向銀行申借之短期貸款 200 萬元已到期，積欠利息 5 萬元，如擬與銀行協議分期償還，以免列報為逾期放款，下列敘述何者錯誤？",[13,14,15,16],"協議分期償還期限得為四年","每年償還之積欠本息應在 20.5 萬元以上為原則","該協議分期償還如未依約履行，應即列報為逾期放款","協議分期償還期限最長以十年為限",3,"授信相關規章(含徵信調查、授信審查及事後管理及催收)",1,"到期放款與借戶協議分期償還，只要符合主管機關訂的條件並依約履行一定期間，可免列報逾期放款。條件之一是原係短期放款者，分期償還期限最長以五年為限，四年在範圍內，故(A)正確；(D)把上限說成十年，那是誤用中長期放款以原殘餘年限二倍計算、最長不超過二十年的另一套標準，套錯對象，故為錯誤敘述。(B)每年償還金額以積欠本息的十分之一以上為原則，本息合計200萬元加5萬元為205萬元，205萬元÷10＝20.5萬元，計算無誤。(C)協議一旦未依約履行，免列報的基礎即消失，應立刻列報逾期放款。","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-23-024","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？",28,1785170288950]