[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-credit_prac-45-031":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","c4",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":17,"explanation":19,"difficulty":20},"credit_prac-45-031","45",31,"金融機構辦理消費者貸款需要有良好的行銷策略，一般而言下列何者不屬於行銷策略的 4P 要素？",[13,14,15,16],"市場地位(place)","債權保障(protection)","產品規劃(product)","產品促銷(promotion)",1,"消費者授信","行銷組合 4P 指產品（product）、價格（price）、通路（place）與促銷（promotion）四項由銀行自行掌控的變數，消費者貸款的商品設計、利率費率訂價、通路鋪設與廣告優惠，都落在這四格裡。(B) 債權保障屬於授信風險控管與擔保機制的範疇，是核貸條件與事後管理要處理的事，並非行銷組合的一員。(A) 通路決定客戶在哪裡、用什麼方式取得貸款；(C) 產品規劃決定額度、期限、還款方式與目標客層；(D) 促銷則是利率減碼、手續費減免與異業合作等推廣手段，三者都在 4P 之內。","easy",[22,26,30,34,38,42],{"id":23,"question":24,"qno":25},"credit_prac-45-055","銀行在辦理中古車的汽車貸款時，對同一中古車的鑑價應採用下列何項金額為宜？",55,{"id":27,"question":28,"qno":29},"credit_prac-45-056","有關股票及有價證券貸款，下列敘述何者錯誤？",56,{"id":31,"question":32,"qno":33},"credit_prac-45-057","有關股票貸款維持率之控管，下列何者錯誤？",57,{"id":35,"question":36,"qno":37},"credit_prac-45-058","有關汽車貸款之敘述，下列何者錯誤？",58,{"id":39,"question":40,"qno":41},"credit_prac-45-059","房屋貸款辦理最高限額抵押權設定時，一般以借款金額加幾成為設定金額？",59,{"id":43,"question":44,"qno":45},"credit_prac-45-060","承作小額信用貸款時，利用下列何者可提升審案效率並控制授信品質？",60,1785146813261]