[{"data":1,"prerenderedAt":45},["ShallowReactive",2],{"q-credit_law-45-037":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-45-037","45",37,"依銀行法第三十三條授權規定事項辦法，銀行對其有利害關係者為擔保授信之限制規定，於授信條件範圍，不包括下列何者？",[13,14,15,16],"利率","擔保品及其估價","保證人之有無","資金用途之限制",3,"授信基本法律",1,"銀行對有利害關係者辦理擔保授信,法律管制的核心是條件不得優於其他同類授信對象,而所謂授信條件,授權辦法明確界定為利率、擔保品及其估價、保證人之有無、貸款期限及償還方式,全是直接影響銀行債權品質與對方經濟利益的要素。(D) 資金用途之限制屬於貸放後的用途控管與追蹤,並未列入該定義,故為正解。(A) 利率決定銀行取得的報酬,(B) 擔保品及其估價決定債權保障成數,(C) 保證人之有無決定有無第二還款來源,任何一項放寬都可能構成變相的利益輸送。","hard",[23,26,30,33,37,41],{"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":29},"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？",2,{"id":31,"question":32,"qno":17},"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？",{"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？",7,1785146811779]