[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-credit_law-47-041":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-47-041","47",41,"依「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」規定，協議分期償還案件依免列報逾期放款之範圍，原係短期放款者，以每年償還本息在 10％以上為原則，惟期限最長以幾年為限？",[13,14,15,16],"二年","三年","五年","十年",2,"授信相關規章(含徵信調查、授信審查及事後管理及催收)",1,"協議分期償還案件本質上是已經出問題的債權重新排程,主管機關允許在還款強度足夠時免列報逾期放款,但不能無限展延以掩飾資產品質。原係短期放款者,因當初就是一年以內的週轉性資金,協議後以每年償還本息百分之十以上為原則,期限最長以五年為限,超過就必須列報。(A)二年與(B)三年短於規定,會讓本來可行的協議案被迫列報;(D)十年則過度寬鬆,等於把短期週轉款變成長期分期,失去免列報條件的節制作用,也容易掩蓋真實的逾期情形。","hard",[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？",32,1785146812709]