[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-credit_law-48-030":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-48-030","48",30,"依中華民國銀行公會會員徵信準則規定，下列何者非屬企業短期授信案應徵取之基本資料？",[13,14,15,16],"預估財務報表","公司章程","登記證件影本","同一關係企業及集團企業資料表",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,"徵信準則對企業授信戶依授信期限要求不同的徵信資料：短期授信以掌握借款人現況為主，基本資料包括授信戶資料表、登記證件影本、公司章程、同一關係企業及集團企業資料表等，並配合歷年財務報表分析。(A)預估財務報表是中長期授信才需加送的資料，用來評估借款人未來數年的還款能力，短期授信不在應徵取之列，故為正解。(B)公司章程、(C)登記證件影本用來確認法人存在及其權限，(D)關係企業與集團資料用來掌握整體曝險，都是短期授信的基本資料。","medium",[23,27,31,35,38,42],{"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":10},"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？",{"id":39,"question":40,"qno":41},"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":43,"question":44,"qno":45},"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？",32,1793070616454]