[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-credit_adv_prac-24-047":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-24-047","24",47,"【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中小企業總授信金額在 600 萬元以下者，短期授信之徵信範圍不包括下列何者？",[13,14,15,16],"存款及授信往來情況","組織沿革","產銷及損益概況","設備規模概況",3,"企業授信",1,"徵信準則對小額授信設有簡化機制：中小企業總授信金額在六百萬元以下者，短期授信的徵信範圍簡化為組織沿革、企業及主要負責人一般信譽、業務概況、存款及授信往來情況、產銷及損益概況等項目，目的是讓徵信成本與風險規模相稱，不必為小額案件做全套查核。因此 (A) 存款及授信往來情況、(B) 組織沿革、(C) 產銷及損益概況都仍是必查項目，唯獨 (D) 設備規模概況被排除——小額短期週轉金並非用於購置固定資產，實地查勘廠房機器規模對還款能力的判斷幫助有限，故答案為 (D)。","hard",[23,27,31,35,39,43],{"id":24,"question":25,"qno":26},"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？",2,{"id":28,"question":29,"qno":30},"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":32,"question":33,"qno":34},"credit_adv_prac-23-006","下列敘述何者錯誤？",6,{"id":36,"question":37,"qno":38},"credit_adv_prac-23-007","有關短期授信性質，下列敘述何者錯誤？",7,{"id":40,"question":41,"qno":42},"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":44,"question":45,"qno":46},"credit_adv_prac-23-009","銀行辦理「透支」業務，下列敘述何者錯誤？",9,1785170291139]