[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-credit_prac-45-051":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-45-051","45",51,"銀行保證函與擔保信用狀二者相似之處為下列何項？",[13,14,15,16],"銀行係從屬債務人","申請人不履行合約時，受益人得以求償","格式相同且定型化","依據開發之國際規則相同",1,"外匯授信","兩者的共通點在功能：都是銀行以書面對受益人承諾，當申請人不履行契約義務時，受益人只要依約提示書面求償文件，就可以直接向銀行請求給付一定金額，取得契約以外的第二層保障，故選 (B)。(A) 有誤，擔保信用狀下銀行負的是獨立的付款責任，並非從屬於主契約的從債務人。(C) 兩者格式並不相同，擔保信用狀多以標準電文格式開發，保證函則依個案文字量身撰擬。(D) 所依據的國際規則亦不同，擔保信用狀通常引用信用狀相關規則，保證函則多依見索即付保證的統一規則辦理。","medium",[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-45-043","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":35,"question":36,"qno":37},"credit_prac-45-044","下列何者屬於外匯間接授信項目？",44,{"id":39,"question":40,"qno":41},"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":43,"question":44,"qno":45},"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？",46,1785146813458]