[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-credit_law-48-033":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-48-033","48",33,"消費性無擔保貸款定型化契約中借款之交付方式有三種類型，下列何者非屬之？",[13,14,15,16],"一次撥付型","循環動用型","撥付至借款人指定受款廠商帳戶","現金交付型",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,"消費性無擔保貸款定型化契約對借款交付方式列有三種類型：一次撥付型、循環動用型，以及撥付至借款人指定之受款廠商帳戶，以撥入帳戶為主，金流清楚可查。(D)現金交付型不在其中，故為正解。以帳戶撥款可留下撥付日期、金額的客觀紀錄，日後若對借款是否交付、利息自何時起算發生爭議，雙方都有憑據；現金交付則難以舉證，也容易衍生代領、冒貸等風險。(A)、(B)、(C)都是契約所列的交付類型，借款人可依資金用途選擇。","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":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？",32,1793070616485]