[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-credit_law-45-033":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-45-033","45",33,"依主管機關函釋，下列何者不是消費性貸款？",[13,14,15,16],"房屋修繕貸款","汽車貸款","就學貸款","購置住宅貸款",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,"消費性貸款依主管機關函釋,指銀行對個人購置耐久性消費財(包括汽車)、支付學費、房屋修繕及其他個人小額貸款所辦理的融資,重點在資金用於消費支出,金額小、期限短。(D) 購置住宅貸款金額龐大、期限動輒二十年以上,並以所購房地設定抵押,主管機關另歸為購屋貸款分別統計與控管,不列入消費性貸款,故為正解。(A) 房屋修繕、(B) 汽車、(C) 就學貸款都是函釋明文列舉的消費用途。實務上這個分類會直接影響利率訂定、風險權數與逾放列報的處理方式。","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-45-029","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-45-031","有關「集團企業」之具體定義及界定範圍，下列何者錯誤？",31,{"id":44,"question":45,"qno":46},"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？",32,1785146811749]