[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-credit_adv_law-24-043":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-24-043","24",43,"【案例】有關銀行辦理消費性放款應注意之規定，請回答下列問題：\n有關辦理消費性放款應注意事項，下列何者錯誤？",[13,14,15,16],"金融機構辦理消費性放款應健全徵信、授信及追蹤考核制度","借款人短期間內於聯徵中心被查詢紀錄密集，且不清楚申貸之銀行，應詳為查證","對借戶提供之身分證明文件，應至財政部財稅資料中心查詢並確實核對客戶身分","不得依聯徵中心資訊為唯一准駁依據",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,"消費性放款的身分核對，重點在確認國民身分證的真偽與領補換發紀錄，查詢管道是內政部戶政主管機關建置的身分證查驗系統，而不是掌管稅務資料的財政部財稅資料中心，(C) 把查證機關寫錯，故為錯誤敘述。(A) 正確，健全徵信、授信及追蹤考核制度是主管機關對消費性放款的一貫要求。(B) 正確，短期內在聯徵中心的被查詢紀錄密集、借款人又說不清楚向哪些銀行申貸，是典型的人頭戶或代辦介入警訊，必須詳為查證。(D) 正確，聯徵資料只是參考依據之一，銀行仍應綜合收入、負債與還款來源自行判斷，不得作為准駁的唯一依據。","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？",28,1785170289518]