[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-credit_law-47-037":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-47-037","47",37,"依主管機關規定，銀行辦理自用住宅放款應遵循事項，下列何者錯誤？",[13,14,15,16],"銀行取得足額擔保時，得誘使借款人提供一般保證人","借款人所提供之擔保品非屬自所有，為強化自身信用條件，得主動向銀行提出保證人","不動產所有權為二人共有，且借款書載明共同申請借款之情事，銀行得徵提共同借款人","應於契約或其他書面文件中，提供擔保物提供人自己選擇設定普通抵押權或最高限額抵押權",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,"銀行法及主管機關規範的核心是:銀行辦理自用住宅放款及消費性放款,已取得足額擔保時,不得要求借款人提供一般保證人,更不得以任何方式誘使借款人去找保證人。(A)把禁止規定寫成「得誘使」,直接牴觸保護保證人的立法意旨,即為錯誤。(B)擔保品非借款人所有時,擔保與債信的連結較弱,借款人主動提出保證人強化自身信用條件,並非銀行要求,尚屬可行。(C)不動產為二人共有且借款書載明共同申請,實質上就是共同借款人而非保證人,自得徵提。(D)讓擔保物提供人自行選擇普通抵押權或最高限額抵押權,是保障其選擇權的規定。","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？",32,1785146812676]