[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-credit_adv_law-25-024":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-25-024","25",24,"依中華民國銀行公會會員徵信準則規定，下列敘述何者錯誤？",[13,14,15,16],"對政府機關、公營事業之授信得酌情免辦徵信","所稱徵信人員，係指徵信單位及營業單位辦理徵信之人員","為提高徵信功能，撰寫徵信報告應對授信表示准駁之意見","授信客戶發生突發事件，徵信單位得配合營業單位派員實地調查",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,"徵信與授信必須分立。徵信單位的職責是蒐集、查證並客觀呈現授信戶的信用與財務事實，准駁權則屬於授信單位與有權核決者，因此撰寫徵信報告不得對授信表示准駁之意見，(C) 反其道而行，是錯誤敘述，故選 (C)；若徵信人員先行表態，核決者容易被錨定，內部牽制也形同虛設。(A) 對政府機關、公營事業之授信，其財務資訊公開並受預算及審計監督，徵信實益有限，得酌情免辦；(B) 徵信人員兼指徵信單位與營業單位辦理徵信者；(D) 突發事件時徵信單位得配合營業單位派員實地調查。","medium",[23,27,31,34,38,42],{"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":10},"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？",{"id":35,"question":36,"qno":37},"credit_adv_law-23-025","有關徵信報告，下列敘述何者錯誤？",25,{"id":39,"question":40,"qno":41},"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":43,"question":44,"qno":45},"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？",28,1785170289820]