[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-credit_law-46-031":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-46-031","46",31,"下列何項授信案仍應辦理徵信工作？",[13,14,15,16],"公營事業","政府計畫性","政府機關","提供他行定存單十足擔保",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,"得酌情免辦徵信的，主要是信用風險已被政府信用或本行掌控的資金吸收掉的案件，例如 (C) 政府機關、(A) 公營事業與 (B) 政府計畫性授信，還款來源有預算或政策支撐，再做財務分析意義不大。(D) 提供他行定存單十足擔保則不同：擔保品雖然是存單，資金卻放在另一家銀行，本行不能直接圈存、抵銷，必須仰賴他行確認質權設定並承諾到期不解付，一旦作業出現瑕疵或該行本身出狀況，擔保效力就打折扣，所以仍應辦理徵信，故選 (D)。只有以本行存單、存款設質十足擔保者，才適用免辦徵信的例外。","medium",[23,27,31,35,39,42],{"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":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":10},"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？",{"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？",32,1785146812224]