[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-credit_law-45-031":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-45-031","45",31,"有關「集團企業」之具體定義及界定範圍，下列何者錯誤？",[13,14,15,16],"公司持有超過他公司已發行有表決權之股份總數或資本總額半數者","公司直接或間接控制他公司之人事、財務或業務經營者","公司與他公司相互投資各達對方有表決權之股份總數或資本總額四分之一以上者","公營事業不在此限",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,"集團企業的認定回到公司法關係企業專章,控制從屬公司與相互投資公司都算在內。(A) 持有他公司有表決權股份或出資超過半數,是形式控制的標準;(B) 直接或間接控制他公司之人事、財務或業務經營,是實質控制的標準,兩者具備其一即成立控制從屬關係。(C) 相互投資公司的門檻是各達對方有表決權股份總數或資本總額三分之一以上,不是四分之一,門檻寫小了會把不該歸戶的公司也拉進來,敘述錯誤。(D) 公營事業的經營與轉投資受預算及監督機制節制,授信準則將其排除於集團企業歸戶之外,屬正確的但書。","hard",[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-45-029","下列何者非屬銀行得酌情免辦徵信之授信？",29,{"id":36,"question":37,"qno":38},"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":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？",33,1785146811737]