[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-credit_prac-45-062":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-45-062","45",62,"有關現金卡與一般循環貸款之異同，下列敘述何者正確？",[13,14,15,16],"二者均為每月固定日繳息","現金卡自發卡日起計息、循環貸款自撥款日起計息","一般循環貸款當日借當日還仍須計息、現金卡則否","還款時均按費用、利息、本金依序沖償",2,"消費者授信",1,"現金卡是以晶片金融卡形式核給的循環信用額度,銀行普遍設計成當日動用、當日全數清償即不計息,用以鼓勵短期週轉;一般循環動用型貸款則採按日計息,只要款項撥出,當日借當日還仍會產生一天利息。(A) 現金卡依帳單週期結帳、於繳款截止日前繳息,與循環貸款依契約約定的計息結帳日並不一致,說二者都在同一固定日繳息並不成立。(B) 現金卡是自實際動用提領日起算利息,已發卡而未動用不會計息,前半段敘述即錯。(D) 兩者的還款沖償順序依商品性質與契約各有規定,並非一律都是費用、利息、本金的同一順序。","hard",[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？",59,1785146813551]