[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-credit_adv_law-24-020":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-24-020","24",20,"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？",[13,14,15,16],"均可","均不可","可核發新卡但不可核准其貸款","不可核發新卡但可核准其貸款",1,"信用卡、現金卡相關規章","親屬代償註記是債務由親屬出面代為清償後留在聯徵資料上的紀錄，它反映的是當事人本身償債能力不足、必須靠他人資助才結清債務。主管機關為避免這批已無償債能力的申請人再度過度舉債，明定經辦理該項註記者，發卡機構如不能確認其具有還款能力，不得另行核發新卡，也不得核准其小額信用貸款，故 (B) 均不可為正確答案。(A) 全面放行等於架空這項註記的預警功能。(C) 與 (D) 把信用卡和小額信貸切開處理，但規範是兩者一體適用，並未因商品別而寬嚴有別；若確要承作，必須另行取得足以證明還款能力的財力資料。","medium",[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-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":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？",33,1785170289287]