[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-credit_law-47-029":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-47-029","47",29,"依「中華民國銀行公會會員徵信準則」規定，下列敘述何者錯誤？",[13,14,15,16],"辦理徵信應以直接調查為主，間接調查為輔","無論金額大小，辦理本票保證均須取得會計師查核簽證之財務報表","對非銀行利害關係人之企業辦理授信，金額在新臺幣三千萬元以上者得免徵取財務報表","授信客戶發生突發事件，徵信單位得配合營業單位派員實地調查",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,"(C) 把方向講反了:徵信準則明定企業總授信金額達新臺幣三千萬元以上者，應徵提會計師財務報表查核報告——金額愈大要求愈嚴，寫成三千萬元以上反而得免徵，與風險分級的精神完全牴觸，故為錯誤敘述。(A) 以直接調查(實地訪查、面談、查閱原始憑證)為主、間接調查(聯徵、票信、公開資訊)為輔，是徵信作業的基本原則。(B) 辦理本票保證依法須取得會計師查核簽證之財務報表，這一項不看金額大小，一律適用。(D) 客戶發生突發事件時，徵信單位得配合營業單位派員實地調查，屬事後管理的必要動作。","hard",[23,27,31,34,38,42],{"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":10},"credit_law-45-029","下列何者非屬銀行得酌情免辦徵信之授信？",{"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？",32,1785146812607]