[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-credit_adv_law-25-025":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-25-025","25",25,"依中華民國銀行公會會員徵信準則規定，有關對企業授信案件之徵信，下列何者不是短期授信之範圍？",[13,14,15,16],"企業之設備規模概況","產業概況","企業及其主要負責人一般信譽","建廠或擴充計畫與分期償債能力",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,"企業授信的徵信範圍依授信期間長短分層設計。短期授信著眼於營運週轉，查核項目為企業之組織沿革、企業及其主要負責人一般信譽、企業之設備規模概況、業務概況、財務狀況與產業概況，故 (A)(B)(C) 都落在短期範圍內。中長期授信因為資金要押上好幾年，才另外加做企業之計畫與預測、建廠或擴充計畫，以及分期償還能力分析，(D) 正是中長期授信才須查核的項目，不屬短期範圍，答案選 (D)。判別訣竅很單純：凡牽涉未來現金流量預估與長期投資效益評估的查核事項，一律歸中長期授信。","medium",[23,27,31,35,38,42],{"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":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":10},"credit_adv_law-23-025","有關徵信報告，下列敘述何者錯誤？",{"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？",28,1785170289830]