[{"data":1,"prerenderedAt":45},["ShallowReactive",2],{"q-credit_law-48-050":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","c4",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":19,"explanation":20,"difficulty":21},"credit_law-48-050","48",50,"依信用卡業務機構管理辦法規定，專營信用卡業務機構辦理發卡或收單業務者，於累積虧損逾實收資本額、捐助基金及其孳息之多少比率時，應即將財務報表及虧損原因，函報主管機關？",[13,14,15,16],"三分之一","三分之二","四分之三","五分之四",0,"信用卡、現金卡相關規章",1,"信用卡業務機構管理辦法第三十五條規定，專營信用卡業務機構累積虧損逾實收資本額、捐助基金及其孳息之三分之一，或淨值低於專撥營運資金之三分之二時，應立即將財務報表、虧損原因及改善計畫函報主管機關，故(A)正確。三分之一是財務惡化的早期警示點：虧損吃掉資本三分之一就要求通報，讓主管機關能及早介入，避免持卡人與特約商店權益受損。(B)三分之二是淨值警示所用的比率，被移花接木到累積虧損；(C)四分之三、(D)五分之四門檻過高，等於坐視虧損擴大。","hard",[23,27,31,35,39,42],{"id":24,"question":25,"qno":26},"credit_law-45-046","有關信用卡分期付款交易之期間，以不超過多久為限？",46,{"id":28,"question":29,"qno":30},"credit_law-45-047","有關信用卡發卡業務與收單業務之敘述，下列何者錯誤？",47,{"id":32,"question":33,"qno":34},"credit_law-45-048","依信用卡業務機構管理辦法規定，有關辦理逾期帳款之備抵呆帳提列及轉銷，下列敘述何者錯誤？",48,{"id":36,"question":37,"qno":38},"credit_law-45-049","有關信用卡收單業務之推廣、徵信、簽約及管理，下列敘述何者錯誤？",49,{"id":40,"question":41,"qno":10},"credit_law-45-050","依「信用卡業務機構管理辦法」規定，下列何者錯誤？",{"id":43,"question":44,"qno":26},"credit_law-46-046","依信用卡業務機構管理辦法規定，下列敘述何者錯誤？",1793070616717]