[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-credit_adv_law-25-031":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-25-031","25",31,"依中華民國銀行公會會員授信準則規定，有關銀行辦理授信業務，下列敘述何者錯誤？",[13,14,15,16],"銀行應將授信有關約定事項載明於書面，必要時並告知客戶，讓客戶充分瞭解","個人購屋貸款如約定收取提前清償違約金，應以個別磋商條款方式約定","銀行應於書面明定收費方式，得按月隨利息收取手續費、規費、開辦費及承諾費等費用","簽訂借貸契約後，應將契約（或註明「與正本完全相符」之影本）乙份交付客戶收執",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,"主管機關與授信準則禁止銀行以「按月隨利息收取」的方式浮收各項費用：手續費、規費、開辦費屬一次性的作業成本，承諾費則按未動用額度另行計收，把它們摻進每月利息一起收，等於變相墊高實質年利率並規避利率揭露，故 (C) 敘述錯誤。(A) 正確，授信有關的約定事項應以書面載明，必要時並向客戶說明，確保其充分瞭解。(B) 正確，個人購屋貸款若要收取提前清償違約金，涉及重大權益，必須以個別磋商條款方式約定，不能藏在定型化契約條款裡。(D) 正確，簽約後應將契約正本或註明與正本完全相符之影本乙份交付客戶收執。","medium",[23,27,31,35,39,43],{"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":38},"credit_adv_law-23-025","有關徵信報告，下列敘述何者錯誤？",25,{"id":40,"question":41,"qno":42},"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":44,"question":45,"qno":46},"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？",28,1785170289869]