[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-credit_adv_law-24-028":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-24-028","24",28,"銀行辦理購屋貸款收取提前清償違約金，下列敘述何者錯誤？",[13,14,15,16],"應以個別蹉商條款約定","應按「提供消費者選擇權」及「違約金遞減」原則計收","倘銀行主動要求還款者，得予收取","提供貸款抵押之不動產因天災毀損，並取得證明文件，不得收取",2,"授信相關規章(含徵信調查、授信審查及事後管理及催收)",1,"銀行收取購屋貸款提前清償違約金，主管機關要求必須以個別磋商條款與客戶約定，不得逕以定型化契約單方適用，並應遵循「提供消費者選擇權」與「違約金遞減」兩項原則，即讓客戶自行選擇有無違約金的方案，且違約金隨已還款年期遞減。(C) 為錯誤敘述：違約金的正當性建立在客戶違反約定期限提前清償、使銀行資金運用計畫落空；若是銀行基於自身考量主動要求借款人提前還款，責任不在客戶，自不得收取。(D) 抵押不動產因天災毀損並取得證明文件者，屬不可歸責於借款人的情形，也在免收之列，與 (A)、(B) 同為正確敘述。","medium",[23,27,31,35,39,43],{"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":30},"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":32,"question":33,"qno":34},"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":36,"question":37,"qno":38},"credit_adv_law-23-025","有關徵信報告，下列敘述何者錯誤？",25,{"id":40,"question":41,"qno":42},"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":44,"question":45,"qno":10},"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？",1785170289369]