[{"data":1,"prerenderedAt":43},["ShallowReactive",2],{"q-credit_law-48-002":3},{"exam":4,"examName":5,"chapterSlug":6,"question":7,"related":21},"credit_law","初階授信人員專業能力測驗——授信法規","c1",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":10,"chapter":17,"freq":18,"explanation":19,"difficulty":20},"credit_law-48-002","48",2,"依銀行法規定，商業銀行辦理中期放款之總餘額，不得超過下列何者？",[13,14,15,16],"放款時所收存款總餘額及金融債券發售額之和之百分之三十","放款時所收存款總餘額及金融債券發售額之和之百分之四十","所收定期存款總餘額","所收活期存款總餘額","授信基本法律",1,"銀行法第七十二條規定，商業銀行辦理中期放款之總餘額，不得超過其所收定期存款總餘額，故(C)正確。中期放款期限在一年以上七年以內，資金占用時間長，必須以同樣有期限、較穩定的定期存款支應，才能避免以短支長造成流動性缺口。(A)的百分之三十，是第七十二條之二對住宅建築及企業建築放款總額的上限，計算基礎才是「存款總餘額及金融債券發售額之和」，屬張冠李戴；(B)百分之四十於法無據；(D)活期存款隨時可能被提領，不能作為中期放款的支應基礎。","medium",[22,24,27,31,35,39],{"id":23,"question":11,"qno":18},"credit_law-45-001",{"id":25,"question":26,"qno":10},"credit_law-45-002","依銀行法規定，銀行對於無自用住宅者購買自用住宅之放款，最長期限不得超過多久？",{"id":28,"question":29,"qno":30},"credit_law-45-003","甲銀行對乙君有授信往來，依銀行法規定，下列何者不須納入乙君之同一關係人？",3,{"id":32,"question":33,"qno":34},"credit_law-45-004","依金融控股公司法規定，所謂「子公司」，除指控制性持股之類型外，係指金融控股公司持有已發行有表決權股份總數或資本總額超過多少比率之其他公司？",4,{"id":36,"question":37,"qno":38},"credit_law-45-005","依金融機構合併法規定，金融機構讓與其不良債權時，就該債權對下列何者已取得之執行名義，其效力及於不良債權受讓人？",5,{"id":40,"question":41,"qno":42},"credit_law-45-007","建築物營建承攬人就承攬關係所發生的報酬，依民法規定，可以要求定作人作下列哪一種行為，以保障債權？",7,1793070616125]