[{"data":1,"prerenderedAt":45},["ShallowReactive",2],{"q-credit_law-47-030":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-47-030","47",30,"依中華民國銀行公會函釋，下列何種授信不得自「中華民國銀行公會會員徵信準則」所稱「總授信金額」中扣除？",[13,14,15,16],"存單質借","商業本票保證","出口押匯","進口押匯",1,"授信相關規章(含徵信調查、授信審查及事後管理及催收)","徵信準則所稱「總授信金額」是決定徵信深度與財報徵提要求的基準,計算時可以把風險已被大幅降低的部分扣除:(A)存單質借由銀行自身存單擔保、(C)出口押匯與(D)進口押匯有貨運單據及真實貿易為基礎,依銀行公會函釋均得自總授信金額中扣除。(B)商業本票保證是銀行拿自己的信用替發行人背書,票券到期若發行人無力清償,銀行必須代為付款,風險與一般放款無異,自然不得扣除,應全額計入總授信金額,據以決定徵信範圍與資料徵提要求。","medium",[22,26,30,34,37,41],{"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":10},"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？",{"id":38,"question":39,"qno":40},"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":42,"question":43,"qno":44},"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？",32,1785146812622]