[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-credit_adv_prac-24-019":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-24-019","24",19,"依主管機關規定，有關信用卡業務之敘述，下列何者錯誤？",[13,14,15,16],"發卡機構辦理預借現金分期還款期間不得超過一年","發卡機構不得對信用卡預借現金功能進行推介、廣告等各項行銷行為","信用卡發卡機構不得同意持卡人以信用卡為繳付保險單借款本息之工具","信用卡預借現金額度應於信用卡原信用額度內承作",0,"消費者授信",1,"預借現金是利率最高、風險也最高的信用卡功能，主管機關對它一路採限縮而非放寬，(A) 把它描述成可核給長達一年分期還款的商品，與現行管理方向不符，為錯誤敘述。(B) 正是限縮的具體展現：發卡機構不得對預借現金推介、廣告或行銷，避免誘導持卡人以高利現金融通應急。(C) 禁止以信用卡繳付保單借款本息，理由是拿卡債償還另一筆負債，只是把債務換位置並疊高利息，形成以債養債。(D) 預借現金額度必須含在原核給的信用額度內，不得另外加碼，無擔保曝險才會維持在核定範圍。","hard",[23,26,30,34,38,42],{"id":24,"question":25,"qno":10},"credit_adv_prac-23-019","有關消費者貸款之特性，下列敘述何者錯誤？",{"id":27,"question":28,"qno":29},"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":31,"question":32,"qno":33},"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":35,"question":36,"qno":37},"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":39,"question":40,"qno":41},"credit_adv_prac-23-023","下列何者為「逆向抵押貸款」？",23,{"id":43,"question":44,"qno":45},"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？",24,1785170290858]