[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-credit_adv_law-24-035":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-24-035","24",35,"逾期放款總額占放款總額之比率稱為下列何者？",[13,14,15,16],"放款覆蓋率","備抵呆帳覆蓋率","逾期放款比率","自有資本與風險性資產之比率",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,"逾期放款總額除以放款總額所得的比率就是逾期放款比率，俗稱逾放比，是衡量銀行資產品質最直接的指標，比率越低代表授信品質越好，故 (C) 正確。(B) 備抵呆帳覆蓋率的分子是已提列的備抵呆帳、分母是逾期放款，看的是損失吸收能力是否足夠，與逾放比互為表裡但意義不同。(A) 放款覆蓋率並非法定的資產品質指標名稱，最常被拿來與備抵呆帳覆蓋率混淆。(D) 自有資本與風險性資產之比率即資本適足率，衡量的是資本強度而非資產品質。看報表時務必先確認分子分母各是什麼，才不會把資產品質與資本強度兩類指標混為一談。","easy",[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？",28,1785170289423]