[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-credit_adv_law-24-023":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","c2",{"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-24-023","24",23,"依主管機關規定，民營營利事業申貸時，其總授信金額達新臺幣三千萬元應提供會計師財務簽證報告，所稱總授信金額，下列敘述何者錯誤？",[13,14,15,16],"包括買斷之無追索權應收帳款","包括國際金融業務分行所辦理之授信","包括一般放款、遠期信用狀及保證款項","以金融聯合徵信中心最新之授信歸戶餘額加新申請額度為準",0,"授信相關規章(含徵信調查、授信審查及事後管理及催收)",1,"民營營利事業總授信金額達新臺幣三千萬元者應徵提會計師財務簽證報告，計算基準是以金融聯合徵信中心最新之授信歸戶餘額加計本次新申請額度，涵蓋範圍包括一般放款、遠期信用狀及保證款項，也包含國際金融業務分行所承作的授信，因此 (B)、(C)、(D) 均為正確敘述。(A) 為錯誤：買斷之無追索權應收帳款，債權已自賣方移轉、銀行承擔的是買方信用風險，不計入該授信戶的總授信金額。判斷訣竅是看該筆交易對申貸戶是否仍具追索效果，有追索才計入，真正買斷移轉風險者除外，避免誤把金額灌進門檻而多要或少要簽證報告。","hard",[23,27,30,34,38,42],{"id":24,"question":25,"qno":26},"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":28,"question":29,"qno":10},"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？",{"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？",28,1785170289320]