[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-credit_adv_prac-24-025":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","c3",{"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-24-025","24",25,"有關匯率風險之規避方法，下列敘述何者正確？",[13,14,15,16],"進口商預期新臺幣升值時，宜提前清償外幣貸款","出口商預期新臺幣貶值時，宜預購遠期外匯合約","出口商預期新臺幣貶值時，宜儘速辦理押匯，兌換為新臺幣","進口商預期新臺幣貶值時，宜將外幣貸款改為新臺幣貸款",3,"外匯授信",1,"新臺幣貶值代表同樣一塊外幣要用更多新臺幣才換得到，持有外幣負債的進口商換算成新臺幣的還款成本會上升，此時把外幣貸款轉換為新臺幣貸款，等於把匯率風險移除，故 (D) 正確。(A) 進口商預期新臺幣升值時，外幣負債的新臺幣成本正在下降，應延後而非提前清償才吃得到升值好處。(B) 出口商手上是外幣應收帳款，要規避的是收到外幣後換不到預期新臺幣的風險，應預售而非預購遠期外匯，方向剛好相反。(C) 出口商預期新臺幣貶值時，晚一點結匯可換到更多新臺幣，急著押匯反而放棄有利走勢。","medium",[23,26,30,34,38,42],{"id":24,"question":25,"qno":10},"credit_adv_prac-23-025","有關進口授信信用狀之修改，應經下列何者同意才生效？",{"id":27,"question":28,"qno":29},"credit_adv_prac-23-026","有關出口信用狀週轉金貸款業務，下列敘述何者錯誤？",26,{"id":31,"question":32,"qno":33},"credit_adv_prac-23-027","有關航空提單或郵包收據，下列敘述何者正確？",27,{"id":35,"question":36,"qno":37},"credit_adv_prac-23-028","下列有關保證函（Letter of Guarantee，簡稱 L\u002FG）與擔保信用狀(Stand-by L\u002FC)之異同比較，下列何者錯誤？",28,{"id":39,"question":40,"qno":41},"credit_adv_prac-23-029","有關應收帳款收買業務(Factoring)，下列敘述何者錯誤？",29,{"id":43,"question":44,"qno":45},"credit_adv_prac-23-030","銀行辦理買入光票時，所應查核事項不包括下列何項？",30,1785170290909]