[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-credit_adv_prac-24-041":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-24-041","24",41,"【案例】有關信用卡發卡機構核發信用卡予持卡人之相關規定，請回答下列問題：\n有關發卡機構核給持卡人信用額度應考量事項，下列何者錯誤？",[13,14,15,16],"應將正卡申請人於財團法人金融聯合徵信中心短期間內有密集被查詢之情事列為審核要件之一","正卡申請人於聯徵中心有「代償註記」者，應確認其具有還款能力","得以聯徵中心之信用資訊作為准駁之唯一依據","核給額度加計申請人於全體金融機構之無擔保債務（含信用卡）歸戶總餘額與申請人最近一年內平均月收入不得超過 22 倍",2,"消費者授信",1,"聯合徵信中心的資料只是信用評估的一環，反映的是申請人過去在金融機構的往來紀錄，無法完整涵蓋還款能力與還款意願，主管機關要求發卡機構應綜合職業、收入、負債等資料判斷，不得以聯徵資訊作為准駁的唯一依據，故 (C) 為錯誤敘述。(A) 短期間內遭密集查詢，通常代表申請人正同時向多家機構尋求資金，是資金吃緊的警訊。(B) 聯徵留有代償註記，表示曾以新債清償舊債，應進一步確認確有還款能力。(D) 核給額度加計全體金融機構的無擔保債務歸戶總餘額，不得超過最近一年平均月收入的二十二倍。","medium",[23,27,31,35,39,43],{"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":42},"credit_adv_prac-23-023","下列何者為「逆向抵押貸款」？",23,{"id":44,"question":45,"qno":46},"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？",24,1785170291094]