[{"data":1,"prerenderedAt":45},["ShallowReactive",2],{"q-credit_adv_prac-24-022":3},{"exam":4,"examName":5,"chapterSlug":6,"question":7,"related":21},"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":17,"explanation":19,"difficulty":20},"credit_adv_prac-24-022","24",22,"有關消費者貸款的意義與特性，下列敘述何者錯誤？",[13,14,15,16],"信用卡循環信用隸屬消費者貸款之範疇","貸款時間短，大多屬短期融資","可將貸款族群分類，訂定差異化的貸款條件","只能夠取得有限的財力證明為消費者貸款之特性之一",1,"消費者授信","消費者貸款的期間普遍偏長：房屋貸款動輒二十至三十年，汽車貸款與信用貸款也多在三至七年之間，整體屬中長期融資而非短期融資，故 (B) 為錯誤敘述。(A) 信用卡循環信用是以個人消費為目的、由持卡人以未來所得清償的無擔保授信，自然落在消費者貸款範疇內。(C) 消費者貸款筆數多、單筆金額小，銀行必須依職業、年資、收入與聯徵紀錄把客群分群，再對不同風險等級訂出差異化的額度、利率與期間。(D) 個人沒有經會計師查核的財務報表，能取得的多半只有扣繳憑單或薪轉紀錄，財力資訊有限確實是其特性。","easy",[22,26,30,34,37,41],{"id":23,"question":24,"qno":25},"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":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":10},"credit_adv_prac-23-022","有關銀行辦理汽車貸款，下列敘述何者錯誤？",{"id":38,"question":39,"qno":40},"credit_adv_prac-23-023","下列何者為「逆向抵押貸款」？",23,{"id":42,"question":43,"qno":44},"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？",24,1785170290889]