[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-credit_prac-45-019":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","c2",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":19,"explanation":20,"difficulty":21},"credit_prac-45-019","45",19,"銀行辦理墊付國內票款，係就遠期票據融通資金，為考量風險，銀行須對借款人、票據交易性質以及下列何者辦理徵信？",[13,14,15,16],"原料供應商","借票之廠商","票據債務人","借款廠商之主要股東",2,"企業授信",1,"墊付國內票款的還款財源是借戶所提客票到期兌現的票款,能不能收回取決於開票的 (C) 票據債務人,也就是發票人與背書人的信用,因此除了對借款人與交易性質徵信外,還必須查核票據債務人的資信、票信紀錄有無退票或拒絕往來、與借戶的實際交易關係,並注意集中度是否過高,故選 (C)。(A) 原料供應商位於借戶的進貨端,票款不會由其支付;(B) 借票之廠商本身就是應防範的異常情形,而非徵信對象;(D) 借款廠商之主要股東與該筆票據的付款責任無關,雖可作為了解借戶背景的參考,但非本項業務必須徵信的對象。","medium",[23,26,30,34,38,42],{"id":24,"question":25,"qno":17},"credit_prac-45-002","下列何者不是分析企業經營效能之比率？",{"id":27,"question":28,"qno":29},"credit_prac-45-005","企業短期償債能力的大小，可由下列何者加以測定？",5,{"id":31,"question":32,"qno":33},"credit_prac-45-010","下列授信項目何者不是交易性融資？",10,{"id":35,"question":36,"qno":37},"credit_prac-45-014","依中小企業信用保證基金規定，間接送保案件應於該基金保證書所載有效期限內核准並動用首筆授信，必要時得申請延長多久？",14,{"id":39,"question":40,"qno":41},"credit_prac-45-016","下列何者非屬企業之速動資產？",16,{"id":43,"question":44,"qno":45},"credit_prac-45-017","銀行辦理墊付國內票款業務所徵提之統一發票，應於下列何聯加蓋「已在 XX 行庫辦理融資」文義之戳記？",17,1785146813136]