[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-credit_law-47-033":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-47-033","47",33,"銀行對消費者從事與信用有關之交易時，應於行銷廣告揭示下列何種費率？",[13,14,15,16],"所有應付總費用之年百分率","主要應付總費用之年百分率","主要應付總費用之日百分率","所有應付總費用之日百分率",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,"消費者要比較不同貸款或信用卡方案的真實成本,只看名目利率並不夠,因為開辦費、帳戶管理費、手續費等都會墊高實際負擔。主管機關因此要求銀行對消費者從事與信用有關的交易時,行銷廣告必須揭示「所有應付總費用之年百分率」,把利息與各項必要費用一併換算成年化百分比,讓不同方案能用同一把尺比較。(B)只揭示主要費用,等於留下選擇性隱藏零星費用的空間;(C)與(D)改用日百分率會讓數字看起來極小,失去比較基準也容易誤導,都不是規定的揭示方式。","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？",32,1785146812640]