[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-credit_prac-45-061":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-45-061","45",61,"銀行實務上對房屋鑑價大多採比較法，此係指以比較標的價格為基礎，經下列何種過程，以推算勘估標的之方法？",[13,14,15,16],"比較、分析及調整","折現、比較及調整","比較、成本及分析","比較、調整及重置",0,"消費者授信",1,"不動產估價技術規則明定,比較法是以比較標的價格為基礎,經比較、分析及調整三道程序,推算勘估標的價格。銀行受理房貸時,先蒐集同一供需圈內近期成交的類似個案作為比較標的,再就樓層、屋齡、面積、臨路條件等差異逐項分析,最後以百分率調整回勘估標的的合理價格,這正是三步驟的實際運作。(B) 折現屬收益法的核心動作,把未來淨收益折算為現值,不是比較法的程序。(C) 成本是成本法的用語,以重建或重置成本扣除折舊求得價格,與比較法混用即錯。(D) 重置同樣屬成本法概念,比較法只做調整,不涉及重新建造費用的估算。","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-45-057","有關股票貸款維持率之控管，下列何者錯誤？",57,{"id":40,"question":41,"qno":42},"credit_prac-45-058","有關汽車貸款之敘述，下列何者錯誤？",58,{"id":44,"question":45,"qno":46},"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？",59,1785146813546]