[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-credit_prac-45-042":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","c3",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":19,"explanation":20,"difficulty":21},"credit_prac-45-042","45",42,"下列何者係屬銀行之外匯授信業務？",[13,14,15,16],"進口代收","匯出匯款","應收帳款承購業務","光票託收",2,"外匯授信",1,"授信的本質是銀行提供資金或承擔信用風險。(C) 應收帳款承購業務中，銀行買入出口商對國外買方的應收帳款債權，通常先預支部分價金，並在無追索權架構下承擔買方倒帳風險，資金與信用兩者都出去了，屬於外匯授信。(A) 進口代收是銀行受託向進口商提示單據、收到貨款後轉付國外，(D) 光票託收是代客戶向國外付款行收取票款，兩者都是收到才付、銀行不墊款；(B) 匯出匯款則是單純把客戶的錢匯到國外。這三項都只是外匯業務中的服務性作業，沒有資金融通，不算授信。","medium",[23,27,31,35,39,43],{"id":24,"question":25,"qno":26},"credit_prac-45-041","「外匯短缺而對外債之支付或匯款限制、禁止」屬下列何種風險？",41,{"id":28,"question":29,"qno":30},"credit_prac-45-043","銀行在辦理開發進口信用狀，向客戶收取保險單時，下列何者有瑕疵？",43,{"id":32,"question":33,"qno":34},"credit_prac-45-044","下列何者屬於外匯間接授信項目？",44,{"id":36,"question":37,"qno":38},"credit_prac-45-045","出口商得以下列何種交易方式項下之匯票及單據，向銀行申請承作 FORFAITING 業務？",45,{"id":40,"question":41,"qno":42},"credit_prac-45-046","Import Factor 買入出口商對進口商之應收帳款債權，所承擔之風險不包括下列何項？",46,{"id":44,"question":45,"qno":46},"credit_prac-45-047","下列何者係屬於裝船前之出口融資？",47,1785146813374]