[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-credit_law-45-028":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-45-028","45",28,"有關徵信報告之敘述，下列何者錯誤？",[13,14,15,16],"徵信報告為授信准駁之唯一依據","內容必須簡潔明晰前後一致","篇幅較長者，應於首端另備提要","一經核定，除係筆誤或繕校錯誤外，不得更改",0,"授信相關規章(含徵信調查、授信審查及事後管理及催收)",1,"徵信報告是授信決策的重要參考，呈現借款人的營運、財務與信用狀況，但准駁仍須併同授信條件、擔保品、資金用途、還款來源與銀行整體授信政策綜合判斷，說它是唯一依據並不正確，故(A)為正解。(B)內容簡潔明晰、前後一致，審核者才能迅速掌握重點；(C)篇幅較長者於首端另備提要，便於閱讀與覆核；(D)徵信報告一經核定，除筆誤或繕校錯誤外不得更改，是為維持報告的公信力與責任歸屬，避免事後配合授信結果回頭修改內容，三者都是正確要求。","easy",[23,27,31,35,39,43],{"id":24,"question":25,"qno":26},"credit_law-45-027","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？",27,{"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？",33,1785146811702]