[{"data":1,"prerenderedAt":44},["ShallowReactive",2],{"q-credit_adv_law-25-002":3},{"exam":4,"examName":5,"chapterSlug":6,"question":7,"related":21},"credit_adv_law","進階授信人員專業能力測驗——授信法規","c1",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":17,"explanation":19,"difficulty":20},"credit_adv_law-25-002","25",2,"依銀行法有關銀行利率之規定，下列敘述何者錯誤？",[13,14,15,16],"存款利率應以年率為準","放款利率應以月率為準","存款利率應於營業場所揭示","放款利率應於營業場所揭示",1,"授信基本法律","銀行法要求銀行各種存款與放款的利率一律以年率為準，並應於營業場所揭示，目的是讓存戶與借款人能站在同一個基準上比價，避免業者用月率或日率製造利率低廉的錯覺，因此 (A)(C)(D) 都與規定相符，(B) 稱放款利率應以月率為準明顯牴觸，是錯誤敘述，故選 (B)。同樣的邏輯延伸到消費金融領域：信用卡循環利率、消費性貸款的廣告與契約都必須換算成年百分率揭露，金融消費者保護法與相關自律規範更進一步要求把開辦費、手續費等成本併入總費用年百分率。道理一致——資訊要能被橫向比較，揭露才具有實質意義。","easy",[22,25,28,32,36,40],{"id":23,"question":24,"qno":17},"credit_adv_law-23-001","有關銀行法第三十條反面承諾，下列敘述何者錯誤？",{"id":26,"question":27,"qno":10},"credit_adv_law-23-002","銀行辦理消費性放款，下列敘述何者正確？",{"id":29,"question":30,"qno":31},"credit_adv_law-23-003","依銀行法規定，下列敘述何者錯誤？",3,{"id":33,"question":34,"qno":35},"credit_adv_law-23-004","下列何者非屬甲金融控股公司之子公司？",4,{"id":37,"question":38,"qno":39},"credit_adv_law-23-005","乙銀行為甲金融控股公司之銀行子公司，丙公司為甲金融控股公司之關係企業。依金融控股公司法規定，乙銀行購買丙公司所發行之有價證券，其交易金額不得超過多少？",5,{"id":41,"question":42,"qno":43},"credit_adv_law-23-006","同一業別金融機構合併時，因合併而有逾越法令規定範圍者，主管機關應命其限期調整；若逾越一般法令之調整期限及逾越銀行法令有關關係人授信或同一人、同一關係人或同一關係企業授信規定者之調整期限，分別為多久？",6,1785170289572]