[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-credit_adv_prac-23-022":3},{"exam":4,"examName":5,"chapterSlug":6,"question":7,"related":22},"credit_adv_prac","進階授信人員專業能力測驗——授信實務","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_prac-23-022","23",22,"有關銀行辦理汽車貸款，下列敘述何者錯誤？",[13,14,15,16],"目前銀行大都以購車後六個月內提出融資申請者，視為購車貸款","一般而言，週轉金貸款之審核較購車貸款嚴謹","購車貸款係以借款人之購車價（車商之售價）為核貸金額之基準","週轉金貸款係以借款人之售車價（車商之進價）為核貸金額之基準",0,"消費者授信",1,"銀行區分購車貸款與週轉金貸款，關鍵在申請時點距離購車有多久：購車後短期內提出申請，車輛仍近乎新品、殘值明確，得依 (C) 所述以車商售價即購車價為核貸基準；超過該期間才申請，資金顯然已非用於支付車款，只能歸為 (D) 的週轉金貸款，並改以車商進價即售車價這個較保守的價格為基準。實務認定的期間遠短於六個月，(A) 把門檻放寬到六個月與作業規定不符，故為錯誤敘述。(B) 正確，週轉金貸款欠缺明確用途且擔保品已折舊，審核自然比購車貸款嚴謹。","hard",[23,27,31,35,39,43],{"id":24,"question":25,"qno":26},"credit_adv_prac-23-019","有關消費者貸款之特性，下列敘述何者錯誤？",19,{"id":28,"question":29,"qno":30},"credit_adv_prac-23-020","有關消費者貸款本息攤還方式，在利率不變之情況下，下列敘述何者正確？",20,{"id":32,"question":33,"qno":34},"credit_adv_prac-23-021","有關個人房屋貸款業務之投保事項，下列敘述何者正確？",21,{"id":36,"question":37,"qno":38},"credit_adv_prac-23-023","下列何者為「逆向抵押貸款」？",23,{"id":40,"question":41,"qno":42},"credit_adv_prac-23-024","消費者貸款不符合核貸標準須再送往總行核貸者，如有超過成數規定、借款人信用有瑕疵等，稱之為何？",24,{"id":44,"question":45,"qno":26},"credit_adv_prac-24-019","依主管機關規定，有關信用卡業務之敘述，下列何者錯誤？",1785170290379]