[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-credit_adv_prac-25-043":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-25-043","25",43,"【案例】有關銀行對於企業授信案件辦理徵信之作業，請回答下列問題：\n對於票據信用資料查詢之查覆內容，下列敘述何者正確？",[13,14,15,16],"第一類票信係提供被查詢者最近三年內退票總張數、總金額、退票明細資料及其他相關資訊","對退票已清償並辦妥註記及拒絕往來提前解除，滿一年者之資訊，不再提供查詢","OBU 外幣支票存款戶票據信用資料，應個別申請查詢並單獨提供查覆資料","同一負責人不同公司戶與負責人個人名義之退票紀錄係合併計算",2,"企業授信",1,"(C) 正確：國際金融業務分行的外幣支票存款戶與一般支存戶分屬不同體系，票據信用資料必須個別申請查詢並單獨提供查覆，不會併入同一份資料。(A) 錯在把明細塞進第一類，第一類查覆的是退票張數、金額等彙總資訊與拒絕往來狀態，要看逐筆明細必須另行申請第二類。(B) 錯在「滿一年」，退票已清償並辦妥註記或拒絕往來提前解除者，仍會依票據交換所訂定的揭露期間繼續提供查詢，該期間遠比一年長。(D) 錯在合併計算，票信以各支票存款戶為單位建檔，同一負責人名下的不同公司戶與其個人戶各自獨立，要掌握關係人風險必須逐戶查詢。","hard",[23,26,30,34,38,42],{"id":24,"question":25,"qno":17},"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？",{"id":27,"question":28,"qno":29},"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":31,"question":32,"qno":33},"credit_adv_prac-23-006","下列敘述何者錯誤？",6,{"id":35,"question":36,"qno":37},"credit_adv_prac-23-007","有關短期授信性質，下列敘述何者錯誤？",7,{"id":39,"question":40,"qno":41},"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":43,"question":44,"qno":45},"credit_adv_prac-23-009","銀行辦理「透支」業務，下列敘述何者錯誤？",9,1785170291529]