[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-credit_adv_prac-23-024":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-23-024","23",24,"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？",[13,14,15,16],"風險基礎定價","信用循環","例外管理","負債／收入比例",2,"消費者授信",1,"消費者貸款採大量標準化作業，分行依總行訂定的成數上限、負債收入比、信用評分等核貸標準即可逕行核准；當個案突破這些標準，例如貸放成數超過規定、借款人有退票或遲繳等信用瑕疵，就必須提報總行以更高層級的授權逐案審查是否承作，這套專門處理不符標準案件的機制稱為例外管理，故 (C) 正確。(A) 風險基礎定價是依風險高低差別訂價的方法。(B) 信用循環指景氣與授信品質的週期性起伏。(D) 負債／收入比例只是核貸標準中的一項指標，都不是這種呈核機制的名稱。","easy",[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-23-022","有關銀行辦理汽車貸款，下列敘述何者錯誤？",22,{"id":40,"question":41,"qno":42},"credit_adv_prac-23-023","下列何者為「逆向抵押貸款」？",23,{"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？",1785170290405]