[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-credit_law-46-033":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-46-033","46",33,"下列何種資產不得作為銀行法第十二條擔保授信之擔保品？",[13,14,15,16],"土地","地上權","金融控股公司以子公司股票設質","國際合作發展基金會所為授信之保證",2,"授信相關規章(含徵信調查、授信審查及事後管理及催收)",1,"銀行法第 12 條所稱的擔保，限於不動產或動產抵押權、動產或權利質權、借款人營業交易所發生之應收票據，以及各級政府公庫主管機關、銀行或經政府核准設立之信用保證機構之保證。(A) 土地可設定不動產抵押權。(B) 地上權依民法得為抵押權之標的物，屬於能拿來擔保的財產權。(D) 屬經政府核准設立之機構所為之保證。(C) 則是主管機關明文不許的態樣：金融控股公司的子公司股票是集團自身的權益，拿來設質等於用自己集團的信用擔保自己集團的債務，母子公司風險高度連動，一旦出事擔保與債權同時崩塌，故選 (C)。","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？",32,1785146812239]