[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-credit_law-47-040":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-47-040","47",40,"依主管機關函示，銀行之債務人如無逾期情事之授信案件，惟擔保品已遭其他債權人強制執行，是否屬「銀行資產評估損失準備提列及逾期放款催收款呆帳處理辦法」所稱之逾期放款？",[13,14,15,16],"應視為正常之授信","應視為已逾「清償期」","應視為「訴追或處分擔保品」","應視銀行是否依契約條款主張加速到期，予以判斷",3,"授信相關規章(含徵信調查、授信審查及事後管理及催收)",1,"擔保品被其他債權人查封強制執行,本身並不等於這筆授信已到期而未清償。逾期放款的認定核心在於債權是否已屆清償期卻未受償,債務人若仍按約繳息還本,除非銀行依契約的加速條款主張全部債務視為到期並著手追償,否則債權尚未到期,不能逕行列報,所以(D)要視銀行是否主張加速到期而定才是正確判斷方式。(A)一律視為正常,忽略了銀行已主張加速到期的情形;(B)與(C)則把擔保品遭執行的事實直接等同於清償期屆至或已進入訴追處分程序,跳過銀行意思表示這個關鍵環節。","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？",32,1785146812705]