[{"data":1,"prerenderedAt":45},["ShallowReactive",2],{"q-credit_adv_law-24-024":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","c2",{"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-24-024","24",24,"依銀行公會所定徵信調查相關規章，下列敘述何者正確？",[13,14,15,16],"徵信應以間接調查為主，直接調查為輔","徵信人員對於徵信資料應依法嚴守秘密","徵信資料不齊而未依限補齊者，必要時得先予辦理徵信","徵信單位對於經常往來客戶，不得事前主動索取資料辦理徵信",1,"授信相關規章(含徵信調查、授信審查及事後管理及催收)","銀行公會徵信準則對徵信人員課有保密義務，明定徵信人員對於徵信所得資料應依法嚴守秘密，這既是金融從業人員的基本紀律，也是銀行法保密規定與個人資料保護要求的延伸，故 (B) 正確。(A) 把主從關係講反了，徵信應以直接調查為主、間接調查為輔；直接調查是實地訪查廠房、查閱帳冊與晤談負責人，間接調查則是查詢聯徵中心、票交所與公開資訊。(C) 徵信資料不齊而未依限補齊者，應退件或婉拒受理，不能便宜行事先辦徵信，否則審查基礎殘缺。(D) 恰恰相反，對經常往來客戶，徵信單位得事前主動索取資料辦理徵信，以維持資料時效。","medium",[22,26,30,33,37,41],{"id":23,"question":24,"qno":25},"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":27,"question":28,"qno":29},"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？",23,{"id":31,"question":32,"qno":10},"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？",{"id":34,"question":35,"qno":36},"credit_adv_law-23-025","有關徵信報告，下列敘述何者錯誤？",25,{"id":38,"question":39,"qno":40},"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":42,"question":43,"qno":44},"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？",28,1785170289334]