[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-credit_adv_prac-25-029":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","c3",{"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-25-029","25",29,"預期新臺幣將貶值時，廠商宜採取下列何項對策以規避匯率風險？",[13,14,15,16],"保留外幣貸款","外幣存款兌換成新臺幣存款","出口押匯款兌換成新臺幣","外幣貸款改貸新臺幣貸款",3,"外匯授信",1,"新臺幣貶值代表同一筆外幣負債將來要用更多新臺幣才還得掉，規避重點在於降低外幣負債、保留外幣資產。(D) 把外幣貸款改貸新臺幣貸款，等於在貶值前結清外幣負債、把匯率成本一次鎖定，是唯一縮減外幣負債的做法，故為正解。(A) 保留外幣貸款是繼續抱著外幣負債，貶值幅度愈大、還款成本愈高。(B) 外幣存款屬外幣資產，在預期外幣走升時提前換成新臺幣，反而錯失匯兌利益。(C) 出口押匯款同樣是外幣資產，立即結匯的效果與 (B) 相同，合理做法是延後結匯或先轉存外幣。訣竅：預期本國貨幣貶值就留外幣資產、還外幣負債，升值時反向操作。","medium",[23,27,31,35,39,42],{"id":24,"question":25,"qno":26},"credit_adv_prac-23-025","有關進口授信信用狀之修改，應經下列何者同意才生效？",25,{"id":28,"question":29,"qno":30},"credit_adv_prac-23-026","有關出口信用狀週轉金貸款業務，下列敘述何者錯誤？",26,{"id":32,"question":33,"qno":34},"credit_adv_prac-23-027","有關航空提單或郵包收據，下列敘述何者正確？",27,{"id":36,"question":37,"qno":38},"credit_adv_prac-23-028","下列有關保證函（Letter of Guarantee，簡稱 L\u002FG）與擔保信用狀(Stand-by L\u002FC)之異同比較，下列何者錯誤？",28,{"id":40,"question":41,"qno":10},"credit_adv_prac-23-029","有關應收帳款收買業務(Factoring)，下列敘述何者錯誤？",{"id":43,"question":44,"qno":45},"credit_adv_prac-23-030","銀行辦理買入光票時，所應查核事項不包括下列何項？",30,1785170291395]