[{"data":1,"prerenderedAt":45},["ShallowReactive",2],{"q-credit_law-45-022":3},{"exam":4,"examName":5,"chapterSlug":6,"question":7,"related":22},"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":19,"explanation":20,"difficulty":21},"credit_law-45-022","45",22,"依公平交易法規定，聯合行為之合意，得依相當因素推定之，該因素不包括下列何者？",[13,14,15,16],"市場狀況","商品或服務特性","成本及利潤考量","事業行為之道德合理性",3,"授信基本法律",1,"公平交易法就聯合行為的合意設有推定機制，得依市場狀況、商品或服務特性、成本及利潤考量、事業行為之經濟合理性等相當因素推定之。(D)把「經濟合理性」置換成「道德合理性」，並非條文所列因素，故為正解。之所以允許推定，是因為聯合行為多以默契進行、少留書面證據，若非依客觀市場跡象推論，幾乎難以查處。(A)市場狀況、(B)商品或服務特性、(C)成本及利潤考量都是條文明列的判斷因素，重點在檢視價格或產量的一致變化，能否用正常競爭與成本結構合理解釋。","medium",[23,26,30,33,37,41],{"id":24,"question":25,"qno":19},"credit_law-45-001","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？",{"id":27,"question":28,"qno":29},"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":31,"question":32,"qno":17},"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？",{"id":34,"question":35,"qno":36},"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":38,"question":39,"qno":40},"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":42,"question":43,"qno":44},"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？",7,1785146811659]