[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-credit_adv_law-25-035":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-25-035","25",35,"某甲向銀行申借之短期貸款已到期，且有積欠利息，如擬與銀行協議分期償還，以免列報逾期放款，下列敘述何者錯誤？",[13,14,15,16],"協議分期償還期限最長以五年為限","每年償還之本息在百分之十以上為原則","將協議分期償還期限改為長期放款","協議利率不低於原承作利率或銀行新承作同類風險放款之利率",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,"協議分期償還之所以能免列報逾期放款，是因為主管機關設下嚴格條件，確保它是真正的債權整理而不是把逾期藏起來。原屬短期放款者，協議分期償還期限最長以五年為限 (A)、每年償還本息以百分之十以上為原則 (B)、協議利率不得低於原承作利率或銀行新承作同類風險放款之利率 (D)，三項敘述都符合規定。(C) 錯在把短期放款逕行改列為長期放款：那是用變更授信科目的方式拉長期限，讓逾期狀態在帳上消失，屬於規避列報逾放。協議分期只能在原授信性質下重新安排償還節奏，不能藉改科目美化資產品質。","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？",28,1785170289899]