[{"data":1,"prerenderedAt":45},["ShallowReactive",2],{"q-credit_law-46-032":3},{"exam":4,"examName":5,"chapterSlug":6,"question":7,"related":21},"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":17,"explanation":19,"difficulty":20},"credit_law-46-032","46",32,"下列何者之授信方式不具自償性功能？",[13,14,15,16],"墊付國內應收款項","融資性商業本票保證","出口押匯","貼現",1,"授信相關規章(含徵信調查、授信審查及事後管理及催收)","自償性指的是授信資金所支應的那筆交易，本身就會產生足以清償該授信的現金流。(A) 墊付國內應收款項靠買方支付貨款回收、(C) 出口押匯靠國外開狀銀行或進口商付款、(D) 貼現靠票據到期兌現，三者都有明確且一一對應的還款來源，屬於交易性、具自償性的授信。(B) 融資性商業本票保證則是企業為籌措日常營運週轉金而發行本票、經銀行保證後在貨幣市場賣出，票款用途分散在各項支出，沒有特定交易的收入可以指定回頭清償，到期多半得靠再發行新票或另覓資金軋平，故不具自償性，選 (B)。","medium",[22,26,30,34,38,42],{"id":23,"question":24,"qno":25},"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":27,"question":28,"qno":29},"credit_law-45-028","有關徵信報告之敘述，下列何者錯誤？",28,{"id":31,"question":32,"qno":33},"credit_law-45-029","下列何者非屬銀行得酌情免辦徵信之授信？",29,{"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":10},"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？",1785146812228]