[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-credit_adv_prac-24-042":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-24-042","24",42,"【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有關辦理學生申請信用卡業務，下列何者錯誤？",[13,14,15,16],"禁止對學生行銷","全職學生申請信用卡以二家發卡機構為限","每家發卡機構信用額度不得超過新臺幣二萬元","以學生身分申請信用卡者，發卡機構應將發卡情事通知其父母或法定代理人",1,"消費者授信","全職學生沒有穩定的自有收入，主管機關對學生卡採取總量管制與家長知情的雙重設計：申請家數以三家發卡機構為限，而非題述的二家，故 (B) 為錯誤敘述。(A) 為避免以行銷手法誘使尚無償債能力的學生辦卡，禁止對學生族群行銷是明確要求。(C) 每家發卡機構核給全職學生的信用額度不得超過新臺幣二萬元，三家合計的曝險上限因而被壓在可控範圍。(D) 以學生身分申請信用卡者，應將發卡情事通知其父母或法定代理人，讓仍在負擔學生生活開銷的家長知悉，發揮外部監督作用。","hard",[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":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？",24,1785170291097]