[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-credit_prac-45-058":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-45-058","45",58,"有關汽車貸款之敘述，下列何者錯誤？",[13,14,15,16],"銀行大多以購車後一個月內提出融資申請者，視為購車貸款","銀行於審核貸放時，購車貸款之審核較週轉金貸款嚴謹","購車貸款以借款人之購車價（車商之售價）為核貸金額之基準","週轉金貸款係以汽車之售價（車商之進價）為核貸金額之基準",1,"消費者授信","(B) 錯誤，實際上應該反過來：購車貸款有明確的購車交易與車商發票可稽，資金直接撥付車商、專款專用，車輛是全新取得的擔保品，風險相對可控；週轉金貸款則是借戶把已持有的汽車設定給銀行借現金，資金用途難以查證，車輛已使用一段時間、殘值逐年遞減，因此審核應更嚴謹、成數也更保守。(A) 購車後一個月內提出申請者仍具購車性質，多視為購車貸款；(C) 購車貸款以車商售價即借款人實際購車價為核貸基準；(D) 週轉金貸款則改以車商進價這個較低的價格為基準，敘述均正確。","hard",[22,26,30,34,38,42],{"id":23,"question":24,"qno":25},"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":27,"question":28,"qno":29},"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":31,"question":32,"qno":33},"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":35,"question":36,"qno":37},"credit_prac-45-057","有關股票貸款維持率之控管，下列何者錯誤？",57,{"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？",60,1785146813515]