[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-credit_adv_law-24-044":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-24-044","24",44,"【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金融機構辦理消費性放款相關事務之處理，下列何者錯誤？",[13,14,15,16],"依規委託第三人為消費性放款之行銷，金融機構仍需妥為查證","嚴禁行員與放款客戶有資金往來","如發現行員有與不肖代辦業者掛勾之不法情事，應立即解除其職務，移送法辦","如發現人頭戶申請貸款情節者，應立即再評估受託機構內部控制制度之妥適性，以決定是否終止委託契約",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,"金融機構把消費性放款行銷委外，責任並不隨之外包，一旦發現受託機構涉及人頭戶申請貸款等不法情事，主管機關要求的是立即終止委託契約，而不是先評估對方內部控制制度的妥適性再決定去留，(D) 把應然的立即處置說成可以裁量的再評估，故為錯誤敘述。(A) 正確，依規委託第三人行銷，金融機構仍須自行妥為查證借款人身分與還款能力。(B) 正確，嚴禁行員與放款客戶有資金往來，是杜絕借名貸款與利益輸送的基本紀律。(C) 正確，行員與不肖代辦業者掛勾已涉刑責，應立即解除職務並移送法辦，以免弊端擴大。","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？",28,1785170289523]