[{"data":1,"prerenderedAt":45},["ShallowReactive",2],{"q-credit_adv_prac-24-024":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-24-024","24",24,"有關消費者汽車貸款業務，下列敘述何者正確？",[13,14,15,16],"為求信任，案件可先撥款後再確認對保手續","採匯入車商於他行存款帳戶者，匯款人應填寫借款人（購車人）的姓名","為求與中古商之業務關係，銀行可先不經借款人之委託指示將貸款撥入車商存款帳戶","貸款若係用以償還原先之汽車貸款，為求方便可先撥款後再清算償還金額，多退少補",1,"消費者授信","汽車貸款撥款若匯入車商在他行的存款帳戶，匯款人欄必須填借款人也就是購車人的姓名，讓資金軌跡清楚顯示這筆錢是借款人借得後用以支付車款，日後起爭議時銀行才證明得了款項確依約定用途交付，故 (B) 正確。(A) 對保是確認借款人與保證人真意的關鍵程序，先撥後補等於在債權文件效力未確定前冒險出款。(C) 撥入第三人帳戶一定要有借款人的書面委託指示，否則借款人可主張未受領借款。(D) 代償原車貸應先查明結清金額並一次撥足，先撥再多退少補會讓抵押權塗銷與設定的銜接出現空窗。","medium",[22,26,30,34,38,42],{"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":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":10},"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？",1785170290904]