[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-credit_adv_law-25-045":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-25-045","25",45,"【案例】大發公司欲向甲銀行申請企業貸款，依中華民國銀行公會會員徵信準則規定，請回答下列銀行辦理徵信相關問題：\n大發公司如欲申請中期營運週轉金新臺幣 3 億元，請問依規定除上題之財務報表外，應再增徵提之文件，下列何者不屬之？",[13,14,15,16],"營運計畫","現金流量預估表","預估資產負債表","預計資金來源去路表",3,"授信相關規章(含徵信調查、授信審查及事後管理及催收)",1,"短期授信看的是既有的營運循環，中長期授信則必須預測未來數年的償債能力，故徵信準則對中長期案件在財務報表之外另要求加送前瞻性資料。就中長期營運週轉金而言，應加送的是營運計畫 (A)、現金流量預估表 (B) 與預估資產負債表 (C)，三者分別交代資金投入後的經營藍圖、未來各期可供還本付息的現金，以及舉債後的財務結構變化。(D) 預計資金來源去路表則屬建廠或資本支出型中長期授信的加送文件，與預估損益表、建廠進度表同一組；本案是營運週轉金，不在此列，故選 (D)。","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？",28,1785170289987]