[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-credit_adv_prac-25-024":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-25-024","25",24,"有關信用卡循環利息，下列何種起息日之計算，在符合法規情況下，對發卡銀行最有利？",[13,14,15,16],"銀行墊款日","銀行結帳日","繳款截止日","帳單郵寄日",0,"消費者授信",1,"循環信用的起息日愈早，銀行可計息的天數愈長，利息收入就愈多。銀行墊款日是持卡人刷卡消費後，發卡銀行實際代墊價款給特約商店的日子，在四個選項中發生時點最早，自該日起算對發卡銀行最有利，也是法規容許的最早起算基準，故 (A)。(B) 銀行結帳日要等當期消費彙總後才產生，已晚於墊款；(C) 繳款截止日通常在結帳日後二十餘天，自該日起算等於白白放棄前面一個多月的利息；(D) 帳單郵寄日介於結帳日與繳款截止日之間，同樣晚於墊款日，對銀行的利息收入都較不利。","easy",[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":10},"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？",1785170291357]