[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-credit_law-47-005":3},{"exam":4,"examName":5,"chapterSlug":6,"question":7,"related":21},"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":17,"explanation":19,"difficulty":20},"credit_law-47-005","47",5,"依金融機構合併法規定，同一業別金融機構合併時，因合併而不符其他法令有關關係人授信或同一人、同一關係人或同一關係企業授信規定者，未申請延長之調整期限最長為多久？",[13,14,15,16],"四年","五年","六年","八年",1,"授信相關規章(含徵信調查、授信審查及事後管理及催收)","金融機構合併法為合併後暫時超限的授信部位留了緩衝：同一業別金融機構合併，若因合併而不符其他法令有關關係人授信，或同一人、同一關係人、同一關係企業授信的限額規定，得自合併之日起調整，未申請延長者調整期限最長為五年，故(B)正確。立法理由是合併等於把兩家的授信部位相加，超限往往不是新做的授信，若強迫立即收回反而會傷及正常往來的借款戶，也造成信用緊縮。(A)四年、(C)六年、(D)八年都不是法定期間；答題時要抓住五年是「未申請延長」的基本期限，必要時另有申請延長機制，兩者別混為一談。","medium",[22,26,30,34,38,42],{"id":23,"question":24,"qno":25},"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":27,"question":28,"qno":29},"credit_law-45-028","有關徵信報告之敘述，下列何者錯誤？",28,{"id":31,"question":32,"qno":33},"credit_law-45-029","下列何者非屬銀行得酌情免辦徵信之授信？",29,{"id":35,"question":36,"qno":37},"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":39,"question":40,"qno":41},"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":43,"question":44,"qno":45},"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？",32,1785146812411]