[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-credit_law-47-038":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-47-038","47",38,"依主管機關規定，下列何者係屬銀行法第三十三條第二項所稱之授信條件？",[13,14,15,16],"利率、擔保品及其估價、保證人之有無、貸款期限、本息償還方式","授信額度、利率、擔保品","擔保品、保證人之有無、資金用途","利率、貸款期限、償還來源",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,"銀行法第三十三條第二項要求銀行對利害關係人的授信條件不得優於其他同類授信對象,主管機關進一步把「授信條件」界定為利率、擔保品及其估價、保證人之有無、貸款期限、本息償還方式五項,涵蓋價格、擔保、期限與還款安排四個面向;只要其中任何一項給了利害關係人更優惠的待遇,就構成條件優於他人。(B)(C)(D)都只截取其中部分項目,又各自摻入授信額度、資金用途、償還來源等不在列舉範圍的要素——額度屬授信規模而非條件,資金用途與償還來源則是徵審評估事項,不能混為一談。","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？",32,1785146812692]