[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-credit_prac-45-043":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","c3",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":17,"explanation":19,"difficulty":20},"credit_prac-45-043","45",43,"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？",[13,14,15,16],"保險單為保險公司所簽發","保險單幣別與信用狀幣別不同","保險單日期早於裝船日期","保險金額較信用狀金額高出一成",1,"外匯授信","(B) 是瑕疵：保險單據的幣別必須與信用狀相同，一旦幣別不同，理賠金額會因匯率波動而無法確定，開狀銀行縱使取得保單也不能確保足額受償，應予拒絕或要求更正。(D) 反而正常：國際慣例要求保險金額至少為貨物 CIF 或 CIP 價的百分之一百一十，以 CIF 十萬元計，保額十一萬元剛好等於高出一成，用以涵蓋買方的預期利潤與相關費用。(A) 保險單本來就應由保險公司或其代理人簽發；(C) 保險生效日不得遲於裝船日，早於裝船日投保代表貨物全程受保，兩者都是合格的單據。","hard",[22,26,30,34,38,42],{"id":23,"question":24,"qno":25},"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":27,"question":28,"qno":29},"credit_prac-45-042","下列何者係屬銀行之外匯授信業務？",42,{"id":31,"question":32,"qno":33},"credit_prac-45-044","下列何者屬於外匯間接授信項目？",44,{"id":35,"question":36,"qno":37},"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":39,"question":40,"qno":41},"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":43,"question":44,"qno":45},"credit_prac-45-047","下列何者係屬於裝船前之出口融資？",47,1785146813378]