[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-credit_law-45-027":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","c2",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":19,"explanation":20,"difficulty":21},"credit_law-45-027","45",27,"依台灣票據交換所規定，同一負責人不同公司戶與負責人個人名義之退票紀錄如何計算？",[13,14,15,16],"個人與法人合併計算","僅法人合併計算","個人與法人連動計算","分開計算",3,"授信相關規章(含徵信調查、授信審查及事後管理及催收)",1,"票據交換所的票信管理是以「支票存款戶」為單位計算退票與拒絕往來紀錄。同一負責人名下的不同公司戶各具獨立法人格，與負責人個人名義的帳戶更屬不同權利主體，因此各戶紀錄分開計算、分別認定，故(D)正確。(A)個人與法人合併計算、(B)僅法人合併計算、(C)個人與法人連動計算，都會讓某一戶的退票直接波及其他獨立帳戶，欠缺法律上依據。不過授信審查時仍應把負責人及其關係企業的票信一併調閱綜合研判，因為紀錄雖分開計算，實質信用風險卻是連動的。","hard",[23,27,31,35,39,43],{"id":24,"question":25,"qno":26},"credit_law-45-028","有關徵信報告之敘述，下列何者錯誤？",28,{"id":28,"question":29,"qno":30},"credit_law-45-029","下列何者非屬銀行得酌情免辦徵信之授信？",29,{"id":32,"question":33,"qno":34},"credit_law-45-030","依「關係企業合併營業報告書關係企業合併財務報表及關係報告書編製準則」規定，關係企業合併財務報表附註應就控制公司與從屬公司分別揭露重大或有事項等相關資訊，但從屬公司之總資產及營業收入均未達控制公司各該項金額多少比率者，得免予揭露？",30,{"id":36,"question":37,"qno":38},"credit_law-45-031","有關「集團企業」之具體定義及界定範圍，下列何者錯誤？",31,{"id":40,"question":41,"qno":42},"credit_law-45-032","依「中華民國銀行公會會員授信準則」規定，下列何者為直接授信？",32,{"id":44,"question":45,"qno":46},"credit_law-45-033","依主管機關函釋，下列何者不是消費性貸款？",33,1785154664435]