[{"data":1,"prerenderedAt":45},["ShallowReactive",2],{"q-credit_law-45-035":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","c1",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":19,"explanation":20,"difficulty":21},"credit_law-45-035","45",35,"依主管機關規定，銀行對同一關係人之授信總餘額，不得超過該銀行淨值之多少？",[13,14,15,16],"20%","30%","40%","50%",2,"授信基本法律",1,"銀行法授權訂定的授信限額規定,把授信對象分成同一自然人、同一法人、同一關係人、同一關係企業四層,額度隨對象範圍擴大而放寬:同一自然人最嚴,同一關係人與同一關係企業則以銀行淨值百分之四十為授信總餘額上限,並另設更低的無擔保授信子限額。因此 (C) 為正解。這組數字的用意是分散風險,避免銀行資金過度集中於單一家族或集團,一旦該關係人違約便直接侵蝕銀行資本。(A) 百分之二十、(B) 百分之三十、(D) 百分之五十都不是同一關係人的法定總額門檻。","hard",[23,26,29,33,37,41],{"id":24,"question":25,"qno":19},"credit_law-45-001","依銀行法規定，商業銀行辦理中期放款之總餘額，不得超過下列何者？",{"id":27,"question":28,"qno":17},"credit_law-45-002","依銀行法規定，銀行對於無自用住宅者購買自用住宅之放款，最長期限不得超過多久？",{"id":30,"question":31,"qno":32},"credit_law-45-003","甲銀行對乙君有授信往來，依銀行法規定，下列何者不須納入乙君之同一關係人？",3,{"id":34,"question":35,"qno":36},"credit_law-45-004","依金融控股公司法規定，所謂「子公司」，除指控制性持股之類型外，係指金融控股公司持有已發行有表決權股份總數或資本總額超過多少比率之其他公司？",4,{"id":38,"question":39,"qno":40},"credit_law-45-005","依金融機構合併法規定，金融機構讓與其不良債權時，就該債權對下列何者已取得之執行名義，其效力及於不良債權受讓人？",5,{"id":42,"question":43,"qno":44},"credit_law-45-007","建築物營建承攬人就承攬關係所發生的報酬，依民法規定，可以要求定作人作下列哪一種行為，以保障債權？",7,1785146811772]