[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-credit_adv_law-25-029":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","c2",{"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-25-029","25",29,"下列何種授信業務，不屬於間接授信？",[13,14,15,16],"中長期債務保證","計劃型貸款","賣方委託承兌","開發國內信用狀",1,"授信相關規章(含徵信調查、授信審查及事後管理及催收)","授信依銀行當下有無實際撥款，分為直接授信與間接授信。間接授信是銀行以信用擔保或承諾付款的方式介入，付款義務要等特定條件成就才發生，範圍包括各種保證（商業本票保證、公司債保證、中長期債務保證）、承兌（買方委託承兌、賣方委託承兌）以及開發國內外信用狀，因此 (A)(C)(D) 都屬間接授信。(B) 計劃型貸款是銀行依借款人特定計畫的資金需求核貸並實際撥款，資金當場流出、放款債權立即成立，屬於直接授信中的中長期放款，故選 (B)。判斷訣竅是先問銀行現在有沒有把錢撥出去，有撥款就是直接授信。","medium",[22,26,30,34,38,42],{"id":23,"question":24,"qno":25},"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":27,"question":28,"qno":29},"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":31,"question":32,"qno":33},"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":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？",28,1785170289861]