[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-credit_law-47-034":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-47-034","47",34,"依主管機關規定，銀行對同一公營事業（例如台灣電力公司）之授信總餘額，不得超過下列何種標準？",[13,14,15,16],"該銀行淨值之 15%","該銀行淨值之 50%","該銀行之淨值","該銀行淨值之 1.5 倍",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,"銀行法對同一人、同一關係人的授信限額,在公營事業上設有特別規定:像台灣電力公司這類公營事業有政府作為實質後盾、信用風險遠低於一般企業,其授信不受一般同一人限額比率拘束,但仍留一道上限——銀行對同一公營事業的授信總餘額不得超過各該銀行的淨值,避免資產過度集中於單一客戶而失去分散效果。(A)百分之十五、(B)百分之五十是一般客戶授信限額常見的比率,套在公營事業會過度限縮政策性資金供給;(D)淨值的一點五倍已超過法定上限,集中度風險過高。","medium",[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？",32,1785146812657]