[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-credit_law-47-002":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-47-002","47",2,"依銀行法規定，銀行對下列何種放款不受最長三十年期限之限制？",[13,14,15,16],"計畫型放款","設備資金放款","個人購置耐久消費品放款","無自用住宅者購買自用住宅放款",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,"銀行法對購買或建造住宅、企業用建築的中長期放款設有最長三十年的期限上限，目的在控制資產負債的期限錯配與長期利率風險；但為照顧尚無自有住宅者的居住需求，法律特別把「無自用住宅者購買自用住宅之放款」排除在三十年限制之外，故(D)正確。這是條文明文開的政策性例外，常被單獨命題。(A)計畫型放款與(B)設備資金放款都屬企業中長期資金，並未取得排除適用的地位；(C)個人購置耐久消費品放款金額小、期間短，本來就不在住宅與企業建築放款的規範射程內，更談不上被明文排除。","easy",[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？",32,1785154665104]