[{"data":1,"prerenderedAt":37},["ShallowReactive",2],{"q-credit_adv_prac-25-022":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","c7",{"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-25-022","25",22,"有關有價證券（含股票）貸款業務，下列敘述何者正確？",[13,14,15,16],"維持率即放款餘額除以市價的比例","銀行辦理股票貸款時，應考慮是否容易處分，有無良好後手市場","股票擔保貸款係客戶提供自有或他人的股票，向金融機構申請的短期貸款","銀行對於維持率高低之訂定，與銀行資訊充足性、對未來的展望、銀行管理能力等因素成正比",1,"授信擔保品估價","有價證券擔保放款的第一道風險不是股價高低，而是萬一違約時能不能真的賣得掉。上市櫃且成交量大的股票有良好的後手市場，可迅速在集中市場處分變現；未上市或成交清淡的股票縱使帳面淨值再高，也可能求售無門或一賣就崩價，因此銀行承作時必須評估是否容易處分、有無良好後手市場，(B) 正確。(A) 把公式顛倒了，維持率應為擔保品市價除以放款餘額，比率愈高表示擔保愈充足。(D) 方向相反，銀行資訊愈充足、管理能力愈強、對後市展望愈佳，愈能接受較低的維持率，應是成反比。","hard",[22,26,30,34],{"id":23,"question":24,"qno":25},"credit_adv_prac-23-047","不動產估價師應用成本法估價時，勘估標的之總成本中，應包括下列何項成本及費用？ A.營造或施工費 B.規劃設計費 C.廣告費、銷售費、管理費 D.稅捐及其他負擔 E.資本利息、開發或建築利潤",47,{"id":27,"question":28,"qno":29},"credit_adv_prac-23-048","「指按工程概算項目逐項比較勘估標的與比較標的或標準建物之差異，並依工程價格及工程數量比率進行調整，以求取勘估標的營造或施工費」為下列何種估價方法？",48,{"id":31,"question":32,"qno":33},"credit_adv_prac-24-021","將擔保品土地與建物之價值以合併方式計算出，再乘以貸放成數，即為放款值，此合併鑑價法較適用於下列何者？",21,{"id":35,"question":36,"qno":33},"credit_adv_prac-25-021","有關銀行辦理抵押權設定應行注意事項，下列敘述何者錯誤？",1785170291344]