[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-credit_adv_law-25-030":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-25-030","25",30,"依中華民國銀行公會會員授信準則規定，銀行對授信案件審核之作業程序，下列敘述何者錯誤？",[13,14,15,16],"除法令另有規定外，於核貸前應先辦理徵信","對審核結果未經核准之授信案件，為避免糾葛，不須通知客戶","辦理授信業務應依借款戶、資金用途、還款來源、債權保障及授信展望五項審核原則核貸","對授信案件審核之作業程序應製作流程圖，標示於營業場所",1,"授信相關規章(含徵信調查、授信審查及事後管理及催收)","(B) 牴觸授信準則對作業透明度的要求。準則明定授信案件經審核後，不論准駁都應通知客戶，未獲核准也要讓客戶知悉結果，客戶才能另尋資金來源或補件說明，銀行不能以避免糾葛為由默不作聲，故 (B) 錯誤。(A) 正確，徵信是授信的前置作業，除法令另有規定外，核貸前必須先辦妥徵信，審核才有依據。(C) 正確，即授信五 P：借款戶、資金用途、還款來源、債權保障與授信展望，是準則要求的核貸審核原則。(D) 正確，準則要求把審核作業程序繪製成流程圖並標示於營業場所，讓客戶知道案件會經過哪些關卡。","easy",[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？",28,1785170289864]