[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-credit_law-45-043":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-45-043","45",43,"依主管機關規定，金融機構承作個人消費性貸款等業務，得否以任何方式透過對第三人之干擾或催討進行催收？",[13,14,15,16],"不得","第三人為債務人二親等內親屬，得催收之","第三人為保證人二親等內親屬，得催收之","金融機構本身不得，但催收業務委外時不受此限",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,"金融機構辦理個人消費性貸款的催收,對象必須限於債務人與保證人本人,不得以騷擾、告知或施壓第三人的方式間接逼債,主管機關明文禁止以任何方式透過對第三人之干擾或催討進行催收,故 (A) 正確。(B)(C) 想用親等關係開後門,但二親等內親屬若不是債務人也不是保證人,本身對該筆債務並無清償義務,向其催討即屬對第三人的干擾。(D) 是常見誤解:催收委外時受託機構的行為視同金融機構自身行為,銀行負有督導與管理責任,不會因為外包而免責。","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？",32,1785146811829]