[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-credit_law-48-040":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-48-040","48",40,"依「銀行資產評估損失準備提列及逾期放款催收款呆帳處理辦法」規定，有關列報為逾期放款之授信案件，下列敘述何者正確？",[13,14,15,16],"凡授信本金、利息超逾約定清償期限六個月以上者","短期授信本金超逾約定清償期限一個月或利息六個月以上者，或中、長期授信未按期攤還逾六個月以上者","短期授信本金、利息逾約定清償期限三個月以上者，或中、長期授信未按期攤還逾六個月以上者","積欠本金或利息超過清償期三個月或雖未超過三個月，但已向主、從債務人訴追或處分擔保品者",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,"同辦法第七條規定，逾期放款指積欠本金或利息超過清償期三個月，或雖未超過三個月，但已向主、從債務人訴追或處分擔保品者，故(D)正確。定義不分短期或中長期，一律以三個月為界；銀行一旦採取訴追或處分擔保品等法律行動，代表已認定債權出現問題，即使尚未滿三個月也須列報，以免低估不良資產。(A)以六個月為界過於寬鬆；(B)、(C)將短期與中長期授信分開設定不同期間，並混入六個月的條件，現行定義並無此區分。","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？",32,1793070616600]