[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-credit_prac-45-003":3},{"exam":4,"examName":5,"chapterSlug":6,"question":7,"related":22},"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":17,"chapter":18,"freq":19,"explanation":20,"difficulty":21},"credit_prac-45-003","45",3,"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？",[13,14,15,16],"建造住宅得辦理中、長期貸款","對購買企業用建築之貸款期限不得超過三十年","對個人購置耐久消費品得辦理長期放款","對買受人所簽發經承銷商背書之本票得辦理貼現",2,"基礎授信",1,"銀行法第三十八條允許銀行對購買或建造住宅、企業用建築辦理中、長期放款,且最長期限不得超過三十年,(A)(B) 皆與條文相符。第三十九條則規定:銀行對個人購置耐久消費品得辦理中期放款;或對於買受人所簽發之本票,經由出售人背書者,得予以貼現。(C) 把耐久消費品放款寫成長期放款,與條文所定的中期不符,是錯誤敘述;(D) 描述的正是同條後段的消費者貼現,並無錯誤。耐久消費品如汽車、家電使用年限有限、擔保價值折舊快,法律因此限制在中期,避免貸放期間超過標的物的經濟壽命。","medium",[23,26,30,34,38,42],{"id":24,"question":25,"qno":19},"credit_prac-45-001","有關銀行辦理授信業務應把握之基本原則，下列何者錯誤？",{"id":27,"question":28,"qno":29},"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":31,"question":32,"qno":33},"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":35,"question":36,"qno":37},"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":39,"question":40,"qno":41},"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":43,"question":44,"qno":45},"credit_prac-45-009","下列何種銀行業務屬於「消費借貸」行為？",9,1785146812948]