[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-credit_law-48-036":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-48-036","48",36,"依主管機關規定，辦理授信業務，下列敘述何者正確？",[13,14,15,16],"地上權設定抵押權所擔保之授信，不得列為銀行法第 12 條之擔保授信","銀行憑政府機關核准設立之保險公司所為之保證保險辦理授信，不得視為擔保授信","銀行對其有利害關係者之授信，中小企業信用保證基金未保證之成數部分已另提足夠擔保品者，視為擔保授信","銀行辦理同業拆款，得不受銀行法第 33 條之 3 第 1 項規定限制，故銀行無須訂定對同業拆款之上限",2,"授信相關規章(含徵信調查、授信審查及事後管理及催收)",1,"銀行法第三十三條要求銀行對利害關係者的授信應有十足擔保。依主管機關規定，若授信由中小企業信用保證基金保證，其未保證之成數部分已另提足夠擔保品者，整筆授信即視為擔保授信，故(C)正確。(A)地上權依民法得為抵押權之標的物，以之設定抵押權所擔保的授信，可列為銀行法第十二條的擔保授信；(B)經政府核准設立之保險公司所為的保證保險，主管機關同意視為擔保授信；(D)同業拆款雖不受第三十三條之三第一項限額規定拘束，銀行仍應自行訂定對同業拆款的上限，以控管集中度風險。","hard",[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？",32,1793070616559]