[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-credit_law-47-035":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-47-035","47",35,"有關銀行法第三十三條，銀行對其持有實收資本總額百分之五以上之企業，或本行負責人、職員或主要股東，或對與本行負責人或辦理授信之職員有利害關係者為擔保授信之敘述，下列何者錯誤？",[13,14,15,16],"以公債為擔保品之授信不計入對利害關係人授信限額及授信總餘額內","對同一自然人之擔保授信總餘額不得超過各該銀行淨值 1%","對全體利害關係人之授信總餘額不得超過各該銀行淨值 1.5 倍","配合政府政策，經中央銀行專案轉融通之授信不計入對利害關係人授信限額及授信總餘額內",1,"授信相關規章(含徵信調查、授信審查及事後管理及催收)","銀行法第三十三條的利害關係人擔保授信,依授權規定訂有三道限額:對同一自然人的擔保授信總餘額不得超過各該銀行淨值的百分之二、對同一法人不得超過百分之十、對全體利害關係人的授信總餘額不得超過淨值的一點五倍。(B)把自然人的比率寫成百分之一,低於規定的百分之二,即為錯誤;(C)的一點五倍則與規定相符。(A)與(D)講的是排除計入的情形:以公債等流動性高、信用風險極低的擔保品所為授信,以及配合政府政策經中央銀行專案轉融通的授信,因風險已受控制或屬政策性業務,均不計入限額及授信總餘額。","hard",[22,26,30,34,38,42],{"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":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？",32,1785154665439]