[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-credit_prac-45-027":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-45-027","45",27,"企業為支應其正常營運所需的最低流動資產量，而需保持的經常性週轉金，宜以下列何種方式籌措？",[13,14,15,16],"透支","貼現","發行商業本票","中期（擔保）放款",3,"企業授信",1,"企業維持正常營運所需的最低流動資產,例如常備存貨與經常在外的應收帳款,是長期沉澱、不會隨單一營業循環回收的資金,性質接近固定資產投資,稱為經常性週轉金,應以中長期資金支應,故宜採 (D) 中期(擔保)放款,分期攤還並搭配擔保品,避免短期資金長期使用所生的到期續約風險。(A) 透支隨用隨還,適合支應臨時性、季節性的資金缺口;(B) 貼現憑交易票據取得資金,期間受票據到期日限制;(C) 發行商業本票期限多在一年以內、利率隨貨幣市場波動,同屬短期籌資工具,以之支應長期需求會造成以短支長的風險。","medium",[23,27,31,35,39,43],{"id":24,"question":25,"qno":26},"credit_prac-45-002","下列何者不是分析企業經營效能之比率？",2,{"id":28,"question":29,"qno":30},"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":32,"question":33,"qno":34},"credit_prac-45-010","下列授信項目何者不是交易性融資？",10,{"id":36,"question":37,"qno":38},"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":40,"question":41,"qno":42},"credit_prac-45-016","下列何者非屬企業之速動資產？",16,{"id":44,"question":45,"qno":46},"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？",17,1785146813221]