[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-credit_adv_prac-24-046":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","c2",{"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-24-046","24",46,"【案例】銀行辦理授信應對借款人徵信，請依銀行公會徵信準則規定，請依序回答下列問題：\n下列何者屬於企業短期授信之徵信範圍？ A.產業概況 B.設備規模概況 C.業務概況 D.財務狀況 E.建廠計畫",[13,14,15,16],"僅 B、C、D、E","僅 A、B、C、E","僅 A、B、C、D","A、B、C、D、E",2,"企業授信",1,"銀行公會會員徵信準則把企業徵信分成短期與中長期兩層。短期授信要看的是組織沿革、企業及主要負責人一般信譽、設備規模概況、業務概況、存款及授信往來情形、財務狀況以及所處產業概況，因為短期資金靠營業循環自償，必須確認產銷與收現能力，故 A、B、C、D 都在範圍內，答案為 (C)。E建廠計畫是中長期授信才加查的項目，中長期資金投入固定資產，銀行另須評估建廠或購置計畫的合理性與預估財務報表，把它塞進短期授信範圍的 (B)、(D) 因而錯誤，(A) 則漏掉財務狀況這個核心項目。","medium",[23,26,30,34,38,42],{"id":24,"question":25,"qno":17},"credit_adv_prac-23-002","凡公司行號依「會計師查核簽證財務報表規則」辦理之財務報表，均可作為財務分析之用，下列何者非屬此類財務報表？",{"id":27,"question":28,"qno":29},"credit_adv_prac-23-004","依中小企業信用保證基金規定，有關直接保證之敘述，下列何者正確？",4,{"id":31,"question":32,"qno":33},"credit_adv_prac-23-006","下列敘述何者錯誤？",6,{"id":35,"question":36,"qno":37},"credit_adv_prac-23-007","有關短期授信性質，下列敘述何者錯誤？",7,{"id":39,"question":40,"qno":41},"credit_adv_prac-23-008","大華公司經營針織品買賣業務，則其所收到之票據，依其交易性質，下列何者適宜辦理墊付國內票款？",8,{"id":43,"question":44,"qno":45},"credit_adv_prac-23-009","銀行辦理「透支」業務，下列敘述何者錯誤？",9,1785170291134]