[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-credit_adv_law-24-037":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-24-037","24",37,"借戶現欠 200 萬元，抵押物法院拍賣底價為 550 萬元，列報逾期放款日期為 102 年 7 月 31 日，此筆不良授信至 102 年 8 月下旬進行資產評估，應列為下列何類？",[13,14,15,16],"應予注意者","可望收回者","收回困難者","收回無望者",0,"授信相關規章(含徵信調查、授信審查及事後管理及催收)",1,"本案抵押物法院拍賣底價五百五十萬元、借戶現欠僅二百萬元，擔保覆蓋達二點七五倍（550÷200＝2.75），屬有足額擔保。依銀行資產評估損失準備提列及逾期放款催收款呆帳處理辦法第四條，有足額擔保而積欠本金或利息超過清償期一個月至十二個月者，列為第二類「應予注意者」；本案既已列報逾期放款，積欠即已逾清償期三個月或已就擔保品聲請執行，至八月下旬評估時仍在十二個月之內，故 (A) 正確。(B) 須有足額擔保而積欠逾十二個月，或無足額擔保而積欠逾三個月至六個月；(C)(D) 以無足額擔保或已評估無法收回為前提。","hard",[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？",28,1785170289443]