[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-credit_law-47-036":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-47-036","47",36,"有關銀行辦理「貼現」業務之敘述，下列何者正確？",[13,14,15,16],"由銀行以預收利息方式先予墊付，俟本票或匯票到期後收取票款並償還墊款之融通方式","融資性票據得辦理貼現","銀行辦理承兌匯票之貼現，係以發票人之信用為基礎","如申請貼現人經承辦銀行要求提供保證而未能提供者，銀行亦不得拒絕貼現，惟可要求申請貼現人背書，其為匯票者，並可要求付款人承兌",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,"貼現是持票人把未到期的交易性票據讓與銀行,銀行先扣除自貼現日至到期日的利息(即預收利息),把餘款墊付給申請人,票據到期再向付款人收取票款抵償墊款,(A)正確描述了這個流程。(B)錯在貼現須以真實交易為基礎,限交易性票據,融資性票據沒有實質交易背景,不得辦理貼現。(C)錯在匯票一經承兌,承兌人即成為票據主債務人,貼現是以承兌人的信用為基礎而非發票人。(D)錯在銀行要求提供保證而申請人未能配合時,本得拒絕承作,並沒有非貼現不可的義務。","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？",32,1785146812664]