[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-credit_adv_law-23-047":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","c1",{"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-23-047","23",47,"【案例】A 公司向 B 銀行貸款，逾期未繳本息，B 銀行依規定扣除預估可收回部分後將該逾期放款轉銷為呆帳。請回答下列問題：\n依銀行法第 48 條第 2 項第 2 款規定，對同一客戶逾期債權已轉銷呆帳者，累計轉銷呆帳金額超過新臺幣多少元，或貸放後半年內發生逾期累計轉銷呆帳金額達新臺幣多少元以上，其轉銷呆帳資料，銀行不負保密義務？",[13,14,15,16],"五千萬元、三千萬元","三千萬元、五千萬元","一億元、五千萬元","五千萬元、一億元",0,"授信基本法律",1,"銀行法第四十八條第二項列舉客戶資料保密義務的例外，其中一款是對同一客戶已轉銷呆帳的逾期債權，累計轉銷金額超過新臺幣五千萬元，或貸放後半年內即發生逾期而累計轉銷達新臺幣三千萬元以上者，該轉銷呆帳資料銀行不負保密義務，故(A)正確。兩道門檻分工明確：五千萬元針對金額重大的呆帳，三千萬元則針對撥貸後迅速出問題的案件，短期內就得轉銷，通常意味著徵信或授信審查有瑕疵，透明化有助外界檢視。(B)(C)(D)不是把兩個數字對調，就是把門檻拉高到一億元。","hard",[23,26,30,34,38,42],{"id":24,"question":25,"qno":19},"credit_adv_law-23-001","有關銀行法第三十條反面承諾，下列敘述何者錯誤？",{"id":27,"question":28,"qno":29},"credit_adv_law-23-002","銀行辦理消費性放款，下列敘述何者正確？",2,{"id":31,"question":32,"qno":33},"credit_adv_law-23-003","依銀行法規定，下列敘述何者錯誤？",3,{"id":35,"question":36,"qno":37},"credit_adv_law-23-004","下列何者非屬甲金融控股公司之子公司？",4,{"id":39,"question":40,"qno":41},"credit_adv_law-23-005","乙銀行為甲金融控股公司之銀行子公司，丙公司為甲金融控股公司之關係企業。依金融控股公司法規定，乙銀行購買丙公司所發行之有價證券，其交易金額不得超過多少？",5,{"id":43,"question":44,"qno":45},"credit_adv_law-23-006","同一業別金融機構合併時，因合併而有逾越法令規定範圍者，主管機關應命其限期調整；若逾越一般法令之調整期限及逾越銀行法令有關關係人授信或同一人、同一關係人或同一關係企業授信規定者之調整期限，分別為多久？",6,1785170289083]