[{"data":1,"prerenderedAt":45},["ShallowReactive",2],{"q-credit_prac-45-011":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-45-011","45",11,"依銀行法規定，下列何者不得作為銀行辦理擔保授信之權利質權標的物？",[13,14,15,16],"公債","倉單","存單","借戶之應收帳款債權",3,"基礎授信",1,"銀行法第十二條所列的擔保授信擔保,包括不動產或動產抵押權、動產或權利質權、借款人營業交易所發生之應收票據,以及各級政府公庫主管機關、銀行或經核准之信用保證機構的保證。其中的權利質權,實務上以具流通性、易於估價與處分的有價證券或權利單據為標的,(A) 公債、(C) 存單與 (B) 倉單都在其列。(D) 借戶的應收帳款屬一般金錢債權,真實性與可回收性繫於第三人的支付意願及抗辯,銀行難以立即變現,並非該條認可的權利質權標的;要成為銀行法上的擔保,須以營業交易所生之應收票據形式徵提,故選 (D)。","hard",[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-45-006","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-45-007","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":42,"question":43,"qno":44},"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？",8,1785146813043]