[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-credit_adv_prac-25-048":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-25-048","25",48,"【案例】有關銀行辦理建築融資，請回答下列問題：\n銀行辦理建築融資之貸後管理，下列敘述何者正確？",[13,14,15,16],"購地融資，不論是否動工興建，銀行應自額度核准日起，每二個月作一次現場履勘","實際工程進度倘落後達二個月以上時，應就其原因及可能增加建築成本等作成書面報告陳核","應注意是否依建築法規，建造執照或雜項執照自發照日起，於一年內開工","起造人倘因故未能依建築法規期限內開工，惟已向發照單位申請展期者，應注意是否已逾展期期限（三個月）仍未開工",3,"企業授信",1,"(D) 正確：建築法規定起造人應自領得建造執照或雜項執照之日起六個月內開工，未能如期開工者得申請展期一次，期限為三個月，逾期仍未開工，執照即失其效力；執照一旦失效，建案停擺，抵押土地的處分價值也受影響，貸後管理因此要盯緊展期後的三個月。(C) 錯，法定開工期限是六個月而非一年。(A) 錯，購地融資的現場履勘頻率應視是否已動工興建而定，未動工與已動工的查核方式不同，不會一律每二個月一次。(B) 錯，工程進度一落後就應查明原因並評估成本增加幅度，陳報門檻遠比二個月嚴格，拖到落後二個月才報告已失去預警意義。","hard",[23,27,31,35,39,43],{"id":24,"question":25,"qno":26},"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？",2,{"id":28,"question":29,"qno":30},"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":32,"question":33,"qno":34},"credit_adv_prac-23-006","下列敘述何者錯誤？",6,{"id":36,"question":37,"qno":38},"credit_adv_prac-23-007","有關短期授信性質，下列敘述何者錯誤？",7,{"id":40,"question":41,"qno":42},"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":44,"question":45,"qno":46},"credit_adv_prac-23-009","銀行辦理「透支」業務，下列敘述何者錯誤？",9,1785170291568]