[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-credit_law-45-040":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-45-040","45",40,"依主管機關規定，准免列入逾期放款列報範圍之授信案件，若未依原分期償還契約履行時，金融機構應於何時列報逾期放款？",[13,14,15,16],"未依原分期償還契約履行時","未依原分期償還契約履行逾一個月時","未依原分期償還契約履行逾二個月時","未依原分期償還契約履行逾三個月時",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,"經協議分期償還而准免列入逾期放款列報範圍的案件,是給債務人重新履約的機會,但這項寬容不是無限期。一旦債務人未依原分期償還契約履行,且逾三個月仍未回復正常繳款,金融機構就必須將該筆授信列報為逾期放款,故 (D) 正確。留三個月緩衝的用意,在區分一時周轉不靈與實質違約,避免每次小額遲繳都立刻惡化為逾放,壓縮債務人再協商的空間。(A) 未依約履行即列報、(B) 逾一個月、(C) 逾二個月,都把時點提前到規定之外,不符現行規範。","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-45-031","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？",32,1785146811805]