[{"data":1,"prerenderedAt":45},["ShallowReactive",2],{"q-credit_prac-45-007":3},{"exam":4,"examName":5,"chapterSlug":6,"question":7,"related":21},"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":17,"explanation":19,"difficulty":20},"credit_prac-45-007","45",7,"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？",[13,14,15,16],"備查制","認許制","自由營業","登記制",1,"基礎授信","外國銀行要在我國境內設立分行營業,必須先取得我國政府的許可與認許,核發營業執照後才能開業,這種先實質審查、後准予營業的制度稱為認許制,故選 (B)。認許的用意在於外國法人的設立準據法不同,我國須先確認其資本、財務、母國監理狀況,才讓它在境內取得權利能力並受本國法規範。(A) 備查制是事後報請主管機關存查,不以核准為前提;(C) 自由營業代表無須任何許可即可營業,與金融特許行業的性質相違;(D) 登記制僅需完成形式登記即生效力,主管機關無實質審查權,三者都不符合我國對外國銀行分行的管理方式。","medium",[22,25,29,33,37,41],{"id":23,"question":24,"qno":17},"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":26,"question":27,"qno":28},"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":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-45-006","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":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？",9,1785146812996]