[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-credit_law-46-040":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-46-040","46",40,"依銀行資產評估損失準備提列及逾期放款催收款呆帳處理辦法規定，協議分期償還中長期放款案件免列列報逾期放款應符合之條件，如該筆中長期放款已無殘餘年限或殘餘年限之二倍未滿五年者，分期償還期限得延長為五年，但以每年最少償還本息在百分之多少以上為原則？",[13,14,15,16],"10%","20%","30%","40%",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,"協議分期償還案件要免列報逾期放款，關鍵在新的還款計畫必須看得出實質還款誠意，不能只是把債務無限期往後推。中長期放款原則上以原殘餘年限的二倍為分期償還期限，若該筆放款已無殘餘年限，或殘餘年限之二倍未滿五年，得延長為五年，但仍以每年最少償還本息在百分之十以上為原則，故選 (A)。這道一成的門檻，是防止銀行用超長期協議把不良債權美化成正常放款的最低防線。(B) 二成、(C) 三成、(D) 四成都高於規定，門檻若拉到這麼高，多數協議戶根本達不到，協議分期的紓困功能也就名存實亡。","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？",32,1785146812291]