[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-credit_adv_law-25-037":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-25-037","25",37,"依銀行資產評估損失準備提列及逾期放款催收款呆帳處理辦法規定，不良授信資產被歸類為「應注意者」，下列敘述何者錯誤？",[13,14,15,16],"授信資產雖未屆清償期或到期日，但授信戶已有其他債信不良者","授信資產經評估有足額擔保部分，且授信戶積欠本金或利息超過清償期一個月至十二個月者","授信資產經評估已無擔保部分，且授信戶積欠本金或利息超過清償期三個月至六個月者","按債權之擔保情形及逾期時間之長短予以評估應列為第二類",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,"銀行資產評估損失準備提列及逾期放款催收款呆帳處理辦法把授信資產分成五類，第二類應注意者的認定有三種情形：授信資產雖未屆清償期或到期日，但授信戶已有其他債信不良；經評估有足額擔保部分且積欠本息超過清償期一個月至十二個月；經評估已無擔保部分且積欠本息超過清償期一個月至三個月。因此 (A)(B) 都相符，(D) 指明應注意者即第二類也正確。(C) 錯在無擔保部分逾期三個月至六個月，那已落入第三類可望收回者。記憶關鍵是有擔保容忍期長、無擔保只到三個月，超過就往下降等。","hard",[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？",28,1785170289921]