[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-credit_law-47-032":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-47-032","47",32,"透支係指銀行於借款人之下列何種存款帳戶無餘額或餘額不足時，先予墊付之融通業務？",[13,14,15,16],"支票存款","活期存款","活期儲蓄存款","定期存款",0,"授信相關規章(含徵信調查、授信審查及事後管理及催收)",1,"透支的定義綁定支票存款帳戶:銀行與存戶事先約定透支額度後,存戶簽發的支票提示付款而甲存帳戶無餘額或餘額不足時,銀行仍代為付款,墊付的部分即為透支,依實際動用金額與天數計息,屬短期週轉性授信。正因為支票是無因的付款委託、一經提示就必須當場決定付或不付,才需要這種事前約定的墊付機制。(B)活期存款與(C)活期儲蓄存款以存摺或金融卡提領,餘額不足直接拒付即可;(D)定期存款對應的是存單質借而非透支,三者都不是透支的適用帳戶。","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":10},"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？",1785146812636]