[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-credit_law-45-001":3},{"exam":4,"examName":5,"chapterSlug":6,"question":7,"related":21},"credit_law","初階授信人員專業能力測驗——授信法規","c1",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":10,"explanation":19,"difficulty":20},"credit_law-45-001","45",1,"依銀行法規定，商業銀行辦理中期放款之總餘額，不得超過下列何者？",[13,14,15,16],"其所收定期存款總餘額","其所收活期存款加定期存款總餘額","其所收支票存款、活期存款與定期存款總餘額","未有特別限制",0,"授信基本法律","銀行法第七十二條明定，商業銀行辦理中期放款之總餘額，不得超過其所收定期存款之總餘額，故(A)正確。立法用意在於資金來源與運用的期限要相互匹配：中期放款期限一年以上、七年以內，屬較長期的資金運用，只能用同樣具期限性、相對穩定的定期存款去支應，才不會拿短錢做長投而引發流動性風險。(B)把活期存款一併算入、(C)再加計支票存款，這兩類都是存戶隨時可提領的浮動資金，不具期限穩定性，不能作為中期放款額度的計算基礎。(D)則忽略了銀行法確有此一比率上的明文限制。","medium",[22,26,30,34,38,42],{"id":23,"question":24,"qno":25},"credit_law-45-002","依銀行法規定，銀行對於無自用住宅者購買自用住宅之放款，最長期限不得超過多久？",2,{"id":27,"question":28,"qno":29},"credit_law-45-003","甲銀行對乙君有授信往來，依銀行法規定，下列何者不須納入乙君之同一關係人？",3,{"id":31,"question":32,"qno":33},"credit_law-45-004","依金融控股公司法規定，所謂「子公司」，除指控制性持股之類型外，係指金融控股公司持有已發行有表決權股份總數或資本總額超過多少比率之其他公司？",4,{"id":35,"question":36,"qno":37},"credit_law-45-005","依金融機構合併法規定，金融機構讓與其不良債權時，就該債權對下列何者已取得之執行名義，其效力及於不良債權受讓人？",5,{"id":39,"question":40,"qno":41},"credit_law-45-007","建築物營建承攬人就承攬關係所發生的報酬，依民法規定，可以要求定作人作下列哪一種行為，以保障債權？",7,{"id":43,"question":44,"qno":45},"credit_law-45-008","依民法規定，有關抵銷之敘述，下列何者錯誤？",8,1785146811382]