[{"data":1,"prerenderedAt":45},["ShallowReactive",2],{"q-credit_law-48-028":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","c2",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":17,"explanation":19,"difficulty":20},"credit_law-48-028","48",28,"依中華民國銀行公會會員徵信準則規定，企業授信戶之其他中長期授信，其總授信金額達新臺幣多少元時，加送個案預計資金來源去路表、建廠進度表、營運計畫、現金流量預估表、預估資產負債表及預估損益表？",[13,14,15,16],"一億元","二億元","二億五千萬元","三億元",1,"授信相關規章(含徵信調查、授信審查及事後管理及催收)","徵信準則對企業授信戶依授信種類分層要求資料：辦理其他中長期授信，總授信金額達新臺幣二億元以上者，須加送個案預計資金來源去路表、建廠進度表、營運計畫、現金流量預估表、預估資產負債表及預估損益表，故(B)正確。中長期授信要靠借款人未來的營運現金流還款，金額愈大，銀行愈需要以預估資料檢驗計畫的可行性與償債能力。(A)一億元、(C)二億五千萬元、(D)三億元都不是準則所定的門檻，屬常見的數字干擾。","hard",[22,26,29,33,37,41],{"id":23,"question":24,"qno":25},"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":27,"question":28,"qno":10},"credit_law-45-028","有關徵信報告之敘述，下列何者錯誤？",{"id":30,"question":31,"qno":32},"credit_law-45-029","下列何者非屬銀行得酌情免辦徵信之授信？",29,{"id":34,"question":35,"qno":36},"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":38,"question":39,"qno":40},"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":42,"question":43,"qno":44},"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？",32,1793070616445]