[{"data":1,"prerenderedAt":38},["ShallowReactive",2],{"q-credit_adv_prac-23-048":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","c7",{"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-23-048","23",48,"「指按工程概算項目逐項比較勘估標的與比較標的或標準建物之差異，並依工程價格及工程數量比率進行調整，以求取勘估標的營造或施工費」為下列何種估價方法？",[13,14,15,16],"淨計法","單位工程法","單位面積（或體積）法","工程造價比率法",3,"授信擔保品估價",1,"營造或施工費的求取有四種方法，差別在資料細緻度。題目描述的是按工程概算項目逐項比較，並依工程價格與工程數量比率調整，也就是不必重新編列詳細數量，而是以標準建物的造價結構為底再用比率調整，正是 (D) 工程造價比率法，實務上因兼顧效率與合理性，最常用於擔保品鑑價。(A) 淨計法要逐一調查各項設施使用材料的種類、品質、數量與所需人工，再乘以各該單價，最精細但最耗時。(B) 單位工程法是以各細部工程項目的單價乘以施工數量後合計。(C) 單位面積或體積法直接以每坪或每立方公尺單價乘以總量，最為粗略。","hard",[23,27,31,34],{"id":24,"question":25,"qno":26},"credit_adv_prac-23-047","不動產估價師應用成本法估價時，勘估標的之總成本中，應包括下列何項成本及費用？ A.營造或施工費 B.規劃設計費 C.廣告費、銷售費、管理費 D.稅捐及其他負擔 E.資本利息、開發或建築利潤",47,{"id":28,"question":29,"qno":30},"credit_adv_prac-24-021","將擔保品土地與建物之價值以合併方式計算出，再乘以貸放成數，即為放款值，此合併鑑價法較適用於下列何者？",21,{"id":32,"question":33,"qno":30},"credit_adv_prac-25-021","有關銀行辦理抵押權設定應行注意事項，下列敘述何者錯誤？",{"id":35,"question":36,"qno":37},"credit_adv_prac-25-022","有關有價證券（含股票）貸款業務，下列敘述何者正確？",22,1785170290649]