[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-credit_law-46-029":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-46-029","46",29,"依主管機關規定，「已提供本行定存單設質十足擔保之授信案件」與「已提供本行存摺存款設質十足擔保之授信案件」，得否酌情免辦理徵信？",[13,14,15,16],"均得","均不得","前者得、後者不得","前者不得、後者得",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,"徵信的目的是評估借款人的還款能力與風險，一旦授信已由本行存款十足擔保，銀行對該筆存款有直接的控制、抵銷與處分權，違約風險幾乎降到零，再耗人力做財務分析並無實益，因此本行定存單設質與本行存摺存款設質的十足擔保案件，都可以酌情免辦徵信，故選 (A)。關鍵在「本行」兩字：資金就在自己手上，設質後可即時圈存、到期抵充。若換成他行存單或存款，本行無法直接凍結，須仰賴他行完成質權設定並承諾到期不解付，就不能免辦，(C)(D) 正是拿本行與他行的差異設下陷阱；本題兩種擔保都在本行，(B) 均不得自然不成立。","medium",[23,27,31,34,38,42],{"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":10},"credit_law-45-029","下列何者非屬銀行得酌情免辦徵信之授信？",{"id":35,"question":36,"qno":37},"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":39,"question":40,"qno":41},"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":43,"question":44,"qno":45},"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？",32,1785146812215]