[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-credit_law-45-034":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-45-034","45",34,"依「中華民國銀行公會會員授信準則」規定，辦理授信業務之五項基本原則為何？",[13,14,15,16],"安全性、流動性、公益性、收益性及成長性","安全性、流動性、公益性、創造性及成長性","循環性、流動性、公益性、收益性及成長性","安全性、流動性、公益性、交易性及成長性",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,"授信準則揭示的五大基本原則是安全性、流動性、公益性、收益性及成長性。安全性要求確保債權可回收,重視借款人信用與擔保;流動性要求資金運用的期限與存款結構相配合,避免以短支長;公益性要求資金導向生產事業與經濟發展,而非投機炒作;收益性要求授信定價足以涵蓋資金成本與預期損失並創造合理利潤;成長性則要求兼顧銀行與客戶的長期發展。(B) 的創造性、(C) 的循環性、(D) 的交易性都不在準則列舉之列,是拿授信實務常見名詞替換掉正確原則的干擾選項。","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-45-028","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？",32,1785146811767]