[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-credit_adv_law-23-037":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-23-037","23",37,"甲銀行於年底評估授信資產，其中不良授信資產共新臺幣十億元，依「銀行資產評估損失準備提列及逾期放款催收款呆帳處理辦法」規定，提存最低標準備抵呆帳及保證責任準備，下列敘述何者錯誤？",[13,14,15,16],"歸類為「應於注意者」新臺幣五億元，應提存新臺幣一千萬元","歸類為「可望收回者」新臺幣二億元，應提存新臺幣四千萬元","歸類為「收回困難者」新臺幣二億元，應提存新臺幣一億元","歸類為「收回無望者」新臺幣一億元，應提存新臺幣一億元",1,"授信相關規章(含徵信調查、授信審查及事後管理及催收)","不良授信資產依收回可能性分級，最低提存比率分別為應予注意百分之二、可望收回百分之十、收回困難百分之五十、收回無望百分之百。(B)歸類可望收回的二億元，應提存2億元×10%＝2000萬元，題目寫四千萬元等於用了百分之二十的比率，與規定不符，故為錯誤敘述。(A)5億元×2%＝1000萬元、(C)2億元×50%＝1億元、(D)1億元×100%＝1億元，三者都與規定相符。分級提存的用意，是讓帳上準備隨債權品質惡化而遞增，即時反映真實的信用損失，而非等到實際打銷才認列。","hard",[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-23-027","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":43,"question":44,"qno":45},"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？",28,1785170288975]