[{"data":1,"prerenderedAt":45},["ShallowReactive",2],{"q-credit_prac-45-001":3},{"exam":4,"examName":5,"chapterSlug":6,"question":7,"related":20},"credit_prac","初階授信人員專業能力測驗——授信實務","c1",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":10,"chapter":17,"freq":10,"explanation":18,"difficulty":19},"credit_prac-45-001","45",1,"有關銀行辦理授信業務應把握之基本原則，下列何者錯誤？",[13,14,15,16],"安全性","固定性","公益性","收益性","基礎授信","銀行授信的基本原則向來以安全性、流動性、公益性、收益性與成長性五項並列。安全性要求債權確保、避免呆帳;流動性強調資金來源與運用的期限要相配,放款須能如期回收以應付存款提領;公益性指授信應配合國家經濟金融政策、支持生產事業;收益性著眼於利息與手續費收入須能涵蓋資金成本與風險成本;成長性則指長期培養客戶與業務。(B) 固定性並不在其中,反而與流動性的精神相牴觸——放款若被長期積壓、無法週轉,銀行的支付能力就會出問題,故 (B) 為錯誤選項。(A)(C)(D) 三者均屬明列的原則,敘述無誤。","easy",[21,25,29,33,37,41],{"id":22,"question":23,"qno":24},"credit_prac-45-003","銀行法對於銀行辦理授信，其有關授信用途與授信期間之規範，下列敘述何者錯誤？",3,{"id":26,"question":27,"qno":28},"credit_prac-45-004","銀行未於借貸契約中，與借款人議定行使加速條款之事由及效果，恐違反下列何法規？",4,{"id":30,"question":31,"qno":32},"credit_prac-45-006","授信評估五 P 原則中，下列何種因素有「銀行收回貸款之第二道保障」之稱？",6,{"id":34,"question":35,"qno":36},"credit_prac-45-007","外國銀行在中華民國境內設立分行營業，須經中華民國政府的核准許可後，始可開業，此制度屬於下列何者？",7,{"id":38,"question":39,"qno":40},"credit_prac-45-008","依消費者保護法規定，銀行與客戶經由個別磋商之約定事項，其適用之效力為何？",8,{"id":42,"question":43,"qno":44},"credit_prac-45-009","下列何種銀行業務屬於「消費借貸」行為？",9,1785146812935]