[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-credit_law-48-032":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-48-032","48",32,"銀行辦理放款業務，下列何者不得再要求另提保證人？",[13,14,15,16],"非自用住宅放款","企業戶不動產擔保放款","消費性放款","存款人以其定期存款於存款銀行辦理質借",3,"授信相關規章(含徵信調查、授信審查及事後管理及催收)",1,"定期存款質借及中途解約辦法第三條明定,銀行對於以定期存款存單辦理質借之案件,不得再要求另提保證人;依同辦法第二條,質借限於原存款人向原開發存單之銀行辦理,成數也在存單面額內,銀行已握有十足擔保,故 (D) 正確。(A) 非自用住宅放款、(B) 企業戶不動產擔保放款,不在銀行法第十二條之一的限制範圍;(C) 消費性放款依第十二條之一不得要求連帶保證人,但只有在已取得足額擔保時才不得要求保證人,未取得足額擔保仍可徵取一般保證人,並非一律不得。","medium",[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":10},"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？",1793070616479]