[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-credit_law-48-034":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-48-034","48",34,"依主管機關釋示，下列何者不屬於銀行法第 12 條之 1 規定之消費性放款？",[13,14,15,16],"房屋修繕貸款","信用卡循環信用","汽車貸款","自用住宅貸款",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,"依主管機關對銀行法第十二條之一的釋示，消費性放款指對於房屋修繕、耐久性消費品（包括汽車）、支付學費與其他個人之小額貸款，及信用卡循環信用。(D)自用住宅貸款雖同樣是對個人的放款，但金額大、期限長且以所購房地設定抵押，條文本身就把「自用住宅放款」與「消費性放款」並列為兩種類型，故不屬消費性放款，為正解。(A)房屋修繕貸款、(B)信用卡循環信用、(C)汽車貸款都是釋示明文列舉的消費性放款項目。","easy",[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？",32,1793070616501]