[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-credit_adv_law-23-039":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","c4",{"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-23-039","23",39,"有關發卡機構對信用卡帳務之處理，下列敘述何者錯誤？",[13,14,15,16],"持卡人帳務應一律依身分證字號歸屬以便歸戶查詢","消費款循環信用計息部分應以「應收帳款」科目列帳","對爭議款項應於受理後 14 日內回覆持卡人處理狀況或進度","對持卡人應繳信用卡之消費帳款，可委由金融機構代收",0,"信用卡、現金卡相關規章",1,"信用卡帳務的歸戶基礎是持卡人的卡號與帳號，不可能一律綁定國民身分證字號：外籍持卡人並無身分證字號，公司商務卡的帳務主體是法人，須以統一編號歸屬，(A)用「一律」把單一識別方式絕對化，與規定及實務都不符，故為錯誤敘述。(B)持卡人動用循環信用而遞延清償的餘額，性質上仍屬信用卡消費帳款，以應收帳款科目列帳。(C)持卡人對帳款有爭議時，發卡機構應於受理後十四日內回覆處理狀況或進度，避免爭議懸而未決。(D)委由金融機構代收帳款是常見且合法的收付安排。","medium",[23,27,31,35,39,43],{"id":24,"question":25,"qno":26},"credit_adv_law-23-040","依「信用卡業務機構管理辦法」規定，下列敘述何者錯誤？",40,{"id":28,"question":29,"qno":30},"credit_adv_law-23-044","【案例】發卡機構欲加強客戶行銷以提高發卡量及創造合理利潤，請依信用卡業務機構管理辦法規定，回答下列問題：\n該發卡機構辦理行銷時，下列何者為其正確之做法？",44,{"id":32,"question":33,"qno":34},"credit_adv_law-23-045","【案例】發卡機構欲加強客戶行銷以提高發卡量及創造合理利潤，請依信用卡業務機構管理辦法規定，回答下列問題：\n對學生申請信用卡，下列何者為該發卡機構正確之做法？",45,{"id":36,"question":37,"qno":38},"credit_adv_law-23-046","【案例】發卡機構欲加強客戶行銷以提高發卡量及創造合理利潤，請依信用卡業務機構管理辦法規定，回答下列問題：\n該發卡機構所提供之信用卡分期付款服務，分期付款期間不得超過多久？",46,{"id":40,"question":41,"qno":42},"credit_adv_law-24-020","信用卡持卡及小額信用貸款申請人經辦理「親屬代償註記」後，發卡機構如不能確認其具有還款能力，可否另行核發新卡或核准其貸款？",20,{"id":44,"question":45,"qno":46},"credit_adv_law-24-033","有關信用卡持卡人結欠款項轉銷呆帳規定，下列敘述何者錯誤？",33,1785170288994]