[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-credit_law-46-043":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-46-043","46",43,"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，有關各類不良授信資產定義之敘述，下列何者錯誤？",[13,14,15,16],"授信資產雖未屆清償期或到期日，但授信戶已有其他債信不良者，屬「應予注意者」","授信資產經評估有足額擔保部分，且授信戶積欠本金或利息超過清償期十二個月者，屬「可望收回者」","授信資產經評估已無擔保部分，且授信戶積欠本金或利息超過清償期十二個月者，屬「收回困難者」","授信資產經評估無法收回者，屬「收回無望者」",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,"同辦法把授信資產分五類，正常者為第一類，其後依擔保狀況與積欠期間遞降。有足額擔保而積欠本息超過清償期十二個月者，列第三類「可望收回者」；無擔保且積欠逾六個月至十二個月者，才是第四類「收回困難者」；一旦無擔保又積欠超過十二個月，或評估已無法收回，就掉到第五類「收回無望者」。(C)把無擔保且逾期超過十二個月者只列到「收回困難者」，少算一級，故為錯誤敘述。(A)未屆清償期但授信戶已有其他債信不良，屬「應予注意者」；(B)足額擔保逾十二個月確為「可望收回者」；(D)評估無法收回即「收回無望者」，均無誤。","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？",32,1785146812316]