[{"data":1,"prerenderedAt":45},["ShallowReactive",2],{"q-credit_prac-45-006":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-45-006","45",6,"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？",[13,14,15,16],"借款戶因素","資金用途因素","還款財源因素","債權保障因素",3,"基礎授信",1,"五 P 原則指借款戶(People)、資金用途(Purpose)、還款財源(Payment)、債權保障(Protection)與授信展望(Perspective)。其中還款財源是銀行收回貸款的第一道保障,也就是借戶正常營運產生的現金流量;第一道防線一旦失守,就要靠 (D) 債權保障受償,包括擔保品、保證人與契約條款,故稱第二道保障。(A) 借款戶因素評估負責人品格與經營能力;(B) 資金用途因素檢視資金有無移作他用;(C) 還款財源因素即前述第一道保障,並非第二道,故正解為 (D)。","easy",[23,26,29,33,37,41],{"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":17},"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？",{"id":30,"question":31,"qno":32},"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":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？",9,1785146812974]