[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-credit_adv_law-25-039":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","c4",{"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-25-039","25",39,"依信用卡業務機構管理辦法規定，發卡機構所提供之信用卡分期付款服務，如係與特約商店有合作關係者，應於持卡人下列何額度內承作？其分期付款期間不得超過多久？",[13,14,15,16],"原信用卡額度，二年六個月","另核給額度，二年六個月","原信用卡額度，二年","另核給額度，二年",0,"信用卡、現金卡相關規章",1,"信用卡業務機構管理辦法對分期付款設有額度與期間的雙重限制。額度方面，發卡機構與特約商店有合作關係而提供的分期付款，必須在持卡人原信用卡額度內承作，不能另外核給一筆額度，否則持卡人的總曝險會在原額度控管之外累積，循環信用與分期債務疊加就形成過度授信；期間方面，分期付款期間不得超過二年六個月，以免用超長分期壓低月付金誘導消費、拉長違約風險。兩項合起來，(A) 正確。(B)(D) 都錯在另核給額度，牴觸額度一致控管的要求；(C)(D) 則把期間上限誤記為二年。","hard",[23,26,30,34,38,42],{"id":24,"question":25,"qno":10},"credit_adv_law-23-039","有關發卡機構對信用卡帳務之處理，下列敘述何者錯誤？",{"id":27,"question":28,"qno":29},"credit_adv_law-23-040","依「信用卡業務機構管理辦法」規定，下列敘述何者錯誤？",40,{"id":31,"question":32,"qno":33},"credit_adv_law-23-044","【案例】發卡機構欲加強客戶行銷以提高發卡量及創造合理利潤，請依信用卡業務機構管理辦法規定，回答下列問題：\n該發卡機構辦理行銷時，下列何者為其正確之做法？",44,{"id":35,"question":36,"qno":37},"credit_adv_law-23-045","【案例】發卡機構欲加強客戶行銷以提高發卡量及創造合理利潤，請依信用卡業務機構管理辦法規定，回答下列問題：\n對學生申請信用卡，下列何者為該發卡機構正確之做法？",45,{"id":39,"question":40,"qno":41},"credit_adv_law-23-046","【案例】發卡機構欲加強客戶行銷以提高發卡量及創造合理利潤，請依信用卡業務機構管理辦法規定，回答下列問題：\n該發卡機構所提供之信用卡分期付款服務，分期付款期間不得超過多久？",46,{"id":43,"question":44,"qno":45},"credit_adv_law-24-020","信用卡持卡及小額信用貸款申請人經辦理「親屬代償註記」後，發卡機構如不能確認其具有還款能力，可否另行核發新卡或核准其貸款？",20,1785170289935]