[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-credit_adv_prac-23-042":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","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_prac-23-042","23",42,"【案例】小華公司欲向銀行辦理建築融資，請回答下列問題：\n辦理購地貸款應徵取之文件，不包含下列何者？",[13,14,15,16],"建造執照","土地登記簿謄本","營建計畫","營建實績表",3,"企業授信",1,"購地貸款的審查重心在土地本身的權利狀態，以及這塊地能不能依計畫順利開發、將來能不能靠銷售或後續建築融資把貸款清掉。土地登記簿謄本用以確認所有權人、面積、使用分區與有無查封、地上權等他項權利負擔；營建計畫用以評估建案規模、總銷金額、資金來源與去化能力；建造執照則證明該土地已可依核准內容合法動工，是購地貸款銜接營建工程貸款的關鍵文件。(D) 營建實績表載明的是建商過去承建過哪些案子，屬於評估借款人經營能力與履約紀錄的一般徵信資料，並非購地貸款本案應徵取的文件，故選之。","medium",[23,27,31,35,39,43],{"id":24,"question":25,"qno":26},"credit_adv_prac-23-002","凡公司行號依「會計師查核簽證財務報表規則」辦理之財務報表，均可作為財務分析之用，下列何者非屬此類財務報表？",2,{"id":28,"question":29,"qno":30},"credit_adv_prac-23-004","依中小企業信用保證基金規定，有關直接保證之敘述，下列何者正確？",4,{"id":32,"question":33,"qno":34},"credit_adv_prac-23-006","下列敘述何者錯誤？",6,{"id":36,"question":37,"qno":38},"credit_adv_prac-23-007","有關短期授信性質，下列敘述何者錯誤？",7,{"id":40,"question":41,"qno":42},"credit_adv_prac-23-008","大華公司經營針織品買賣業務，則其所收到之票據，依其交易性質，下列何者適宜辦理墊付國內票款？",8,{"id":44,"question":45,"qno":46},"credit_adv_prac-23-009","銀行辦理「透支」業務，下列敘述何者錯誤？",9,1785170290597]