[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-credit_law-46-036":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-46-036","46",36,"依中央主管機關規定，銀行辦理各項放款業務，下列敘述何者錯誤？",[13,14,15,16],"辦理消費性貸款，不得按月隨利息向客戶收取手續費","與客戶約定期前清償得計收違約金者，應將相關條款以粗體字載明於契約書並告知客戶","不得接受以自行發行之次順位金融債券為擔保品","得接受借款人以持有之外國有價證券為新臺幣擔保授信之擔保品",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,"依金管會 103 年金管銀外字第 10300200970 號令，金融機構「得」接受外國貨幣及外國證券為擔保品辦理新臺幣授信，但外國證券僅限外國及大陸地區中央政府發行之債券，與全球資產排名前一千名銀行、本國銀行海外分行簽發之定期存單兩類。(D) 未附任何條件即概稱得收借款人持有之外國有價證券，範圍遠寬於該令，故為錯誤。(A) 消費性貸款成本應反映於利率，不得按月隨利息再收手續費。(B) 期前清償違約金對客戶不利，應以粗體字載明契約並告知。(C) 自行發行之次順位金融債券具補充資本性質，收作擔保品等同變相退還資本。","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？",32,1785146812262]