[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-credit_adv_prac-24-043":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-24-043","24",43,"【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有關信用卡循環信用利率之規定，下列何者正確？",[13,14,15,16],"發卡機構應按持卡人之信用狀況，訂定不同等級之信用風險，並考量資金成本及營運成本，採取循環信用利率差別定價","發卡機構應於契約中載明得調整持卡人適用利率之事由，隨時調整持卡人利率","信用卡之循環信用利率不得超過年利率 18%","至少每半年應定期覆核持卡人所適用利率",0,"消費者授信",1,"主管機關要求發卡機構建立循環信用利率的差別定價機制：依持卡人的信用狀況區分不同信用風險等級，再考量資金成本與營運成本，對不同風險的持卡人適用不同利率，信用良好者才不會被迫補貼高風險族群，故 (A) 正確。(B) 錯在隨時調整，調整利率的事由固然應在契約中載明，但仍須依所載事由並踐行通知程序，不能單方任意變更。(C) 循環信用利率的上限並非年利率百分之十八，依銀行法對信用卡循環信用利率的規定，上限已調降為年利率百分之十五。(D) 定期覆核適用利率的頻率與題述的每半年不符。","hard",[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？",24,1785170291101]