[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-credit_adv_prac-24-023":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-24-023","24",23,"一般而言，銀行就消費性貸款商品利率訂價之主要考慮因素，下列敘述何者錯誤？",[13,14,15,16],"產品種類：產品新，訂價高","貸款期間長短：期間長，訂價高","政府法令及政策規範：例如中期房貸受銀行法第七十二條及第七十二條之二規定限制，故利率較低","目標利潤率：為維持一定的獲利水準，應該在訂價中涵蓋利潤率，並儘可能提高",2,"消費者授信",1,"銀行法第七十二條限制商業銀行辦理中期放款的總餘額不得超過所收定期存款總餘額，第七十二條之二則限制住宅建築及企業建築放款總額不得超過放款時所收存款總餘額與金融債券發售額之和的三成。這兩道規定使可用額度變稀少，銀行反而會以較高利率配置有限資源，不會因受限而把利率訂低，故 (C) 為錯誤敘述。(A) 新產品沒有同業比價基礎，開辦成本與風險資料不足，訂價自然偏高。(B) 期間越長，利率風險與信用惡化機率越高，須以較高利率補償。(D) 目標利潤率本來就要涵蓋在訂價中並盡量提高。","hard",[23,27,31,35,39,42],{"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":10},"credit_adv_prac-23-023","下列何者為「逆向抵押貸款」？",{"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？",24,1785170290892]