[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-credit_adv_law-23-046":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","c4",{"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-23-046","23",46,"【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？",[13,14,15,16],"2 年","2 年 6 個月","3 年","視分期付款產業別而定",1,"信用卡、現金卡相關規章","信用卡分期付款把消費金額拆成多期收取，期間拉得越長，持卡人累積的未償餘額越高、利費負擔也越重，主管機關因而設有期限上限：分期付款期間不得超過二年六個月，換算為三十期，故(B)正確。(A)兩年低於規定上限，等於把可承作的期間平白限縮半年，並非法定標準。(C)三年已超過上限。(D)把期限交由分期付款的產業別自行決定，實質上等於沒有上限，發卡機構可能為衝業績而無限拉長期數。這條規定與循環信用利率上限同屬抑制持卡人過度負債的手段。","hard",[22,26,30,34,38,42],{"id":23,"question":24,"qno":25},"credit_adv_law-23-039","有關發卡機構對信用卡帳務之處理，下列敘述何者錯誤？",39,{"id":27,"question":28,"qno":29},"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":31,"question":32,"qno":33},"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":35,"question":36,"qno":37},"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":39,"question":40,"qno":41},"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":43,"question":44,"qno":45},"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？",33,1785170289071]