[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-credit_adv_prac-25-019":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-25-019","25",19,"依主管機關規定，有關已滿十八歲以上之信用卡申請人，下列敘述何者錯誤？",[13,14,15,16],"法定代理人有權以書面通知方式調閱持卡人帳單，或要求終止契約","應確認其具有獨立穩定之經濟來源且具有充分之還款能力，始得發卡","申請時須檢附身分證明文件","學生持卡人所持有卡片以三家發卡機構為限，且每家發卡機構所核給之歸戶額度不得逾新臺幣二萬元",0,"消費者授信",1,"民法的成年年齡已下修為十八歲，滿十八歲的申請人具完全行為能力，可自行簽訂信用卡契約，根本不存在法定代理人，自然也談不上由法定代理人調閱帳單或要求終止契約，那是針對未成年持卡人才有的保護機制，故 (A) 錯誤。(B) 發卡機構仍須確認申請人具獨立穩定的經濟來源與充分還款能力，才能核發卡片；(C) 申請時應檢附身分證明文件，以落實認識客戶程序；(D) 學生持卡人以三家發卡機構為限、每家核給的歸戶額度不得逾新臺幣二萬元，是主管機關為避免學生過度負債所設的上限。","medium",[23,26,30,34,38,42],{"id":24,"question":25,"qno":10},"credit_adv_prac-23-019","有關消費者貸款之特性，下列敘述何者錯誤？",{"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？",24,1785170291322]