[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-credit_adv_law-24-030":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-24-030","24",30,"依主管機關規定，銀行辦理消費性貸款，下列敘述何者正確？",[13,14,15,16],"應以基本放款利率為基準，視客戶信用加減碼承作，不得再收手續費","如向客戶按月隨利息收取手續費，應將收取標準以書面方式明確揭露","應於契約中載明貸款之總費用月百分率，未收取者不須載明","手續費之本質係反映作業成本，應以一次收取為原則",3,"授信相關規章(含徵信調查、授信審查及事後管理及催收)",1,"主管機關對消費性貸款手續費的立場很明確：手續費的本質是反映銀行承作該筆貸款所投入的作業成本，屬一次性支出，因此應以一次收取為原則，不得化整為零長期收取，故 (D) 正確。(B) 恰恰是被禁止的做法，按月隨利息收取手續費實質上是變相利息，既墊高真實資金成本又規避利率揭露，並非書面揭露收取標準就可以做。(C) 契約應載明的是貸款總費用「年」百分率，目的在讓客戶看見含利息與各項費用的真實年化成本，寫成月百分率即屬錯誤。(A) 依基準利率加減碼定價雖屬常見，但由此推論一律不得收手續費，與手續費反映作業成本的定位不符。","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":46},"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？",28,1785170289385]