[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-credit_adv_law-24-033":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","c4",{"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-24-033","24",33,"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？",[13,14,15,16],"轉銷呆帳前，一律需報經董事會決議通過","由有權人員按董（理）事會授權額度標準核准轉銷後，彙報董（理）事會備查","當期應繳最低付款金額超過指定繳款期限六個月未繳足者，應於該六個月後之三個月內，將全部墊款金額轉銷為呆帳","由於信用卡業務之性質特殊，轉銷呆帳之期間宜較一般放款為短",0,"信用卡、現金卡相關規章",1,"信用卡結欠款項轉銷呆帳的核決權限並非只有董事會一途，因件數龐大、單筆金額零星，規定允許由有權人員按董（理）事會授權額度標準核准轉銷後，再彙報董（理）事會備查。(A) 以「一律需報經董事會決議通過」概括，與這套授權核決機制不符，故為錯誤敘述。(B) 正是前述授權加事後備查的正確流程。(C) 當期應繳最低付款金額超過指定繳款期限六個月未繳足者，應於該六個月後之三個月內將全部墊款金額轉銷為呆帳，是法定時限。(D) 信用卡屬無擔保循環信用、逾期後回收機率快速下降，轉銷期間設計得比一般放款短，符合規範意旨。","medium",[23,27,31,35,39,43],{"id":24,"question":25,"qno":26},"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":28,"question":29,"qno":30},"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":32,"question":33,"qno":34},"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":36,"question":37,"qno":38},"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":40,"question":41,"qno":42},"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":44,"question":45,"qno":46},"credit_adv_law-24-020","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？",20,1785170289412]