[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-credit_law-45-029":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-45-029","45",29,"下列何者非屬銀行得酌情免辦徵信之授信？",[13,14,15,16],"政府計畫性之授信","政府機關、公營事業之授信","已提供他行定存單十足擔保之授信","會員銀行之授信",2,"授信相關規章(含徵信調查、授信審查及事後管理及催收)",1,"依銀行公會徵信準則，得酌情免辦徵信者限於信用風險已明顯降低或另有把握的案件，例如(A)政府計畫性之授信、(B)政府機關與公營事業之授信、(D)金融同業間之授信。(C)以「他行」定存單設質擔保者則不在其列，為正解：銀行對他行存單的控管不及自家存單，須辦理設質通知並仰賴他行配合圈存，存單真偽及是否已質押他人也需查證，擔保效力不能等同視之。實務上須為本行存單提供十足擔保，才適用免辦徵信的規定。","medium",[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-45-028","有關徵信報告之敘述，下列何者錯誤？",28,{"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？",33,1785146811706]