[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-credit_law-47-042":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-47-042","47",42,"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，下列何者符合中、長期放款協議分期償還案件免列報為逾期放款之條件？",[13,14,15,16],"其分期償還期限，以原殘餘年限之二倍為限，惟最長不得超過三十年","於原殘餘年限內，其分期償還之部分不得低於積欠本息百分之二十","若已無殘餘年限，或殘餘年限之二倍未滿五年者，分期償還期限得延長為十年","每年償還本息在百分之五以上者，無年限限制",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,"中長期放款本來就有較長的還款期程,協議分期償還的展延幅度以原殘餘年限的二倍為限,且最長不得超過三十年,(A)完全符合規定。(B)錯在比率:於原殘餘年限內,分期償還的部分不得低於積欠本息的百分之三十,寫成百分之二十會低估還款強度。(C)錯在若已無殘餘年限,或殘餘年限的二倍未滿五年者,得延長為五年而非十年。(D)則是憑空放寬,既把每年償還本息的比率壓到百分之五,又主張沒有年限限制,與整套規定「還款要有強度、期限要有上限」的設計背道而馳。","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？",32,1785146812728]