[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-credit_prac-45-057":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","c4",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":19,"explanation":20,"difficulty":21},"credit_prac-45-057","45",57,"有關股票貸款維持率之控管，下列何者錯誤？",[13,14,15,16],"維持率 = 股票之票面價值 ÷ 借款餘額","應歸戶管理","應訂定維持率之最低門檻","維持率低於最低門檻時，借戶應在約定期間內補足擔保值",0,"消費者授信",1,"(A) 錯誤：維持率衡量的是擔保品現值是否足以覆蓋債權，分子必須用擔保股票的市價總值，而不是票面價值。票面價值多為每股十元、長年固定不變，與股票的實際處分價值毫無關聯。例如借款餘額一百萬元、擔保股票市價總值一百八十萬元，維持率為百分之一百八十；若誤以票面價值五十萬元計算，維持率只剩百分之五十，完全反映不出真實擔保狀況。(B) 同一借戶各筆股票擔保應歸戶合併控管；(C) 事先訂定最低維持率門檻；(D) 跌破門檻時通知借戶限期補提擔保品或還款，都是正確做法。","medium",[23,27,31,35,39,43],{"id":24,"question":25,"qno":26},"credit_prac-45-031","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？",31,{"id":28,"question":29,"qno":30},"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":32,"question":33,"qno":34},"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":36,"question":37,"qno":38},"credit_prac-45-058","有關汽車貸款之敘述，下列何者錯誤？",58,{"id":40,"question":41,"qno":42},"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":44,"question":45,"qno":46},"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？",60,1785146813512]