[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-credit_prac-45-065":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-45-065","45",65,"下列何種導向之訂價屬於最完善合理的消費者貸款訂價方式？",[13,14,15,16],"「成本」＋「需求」＋「回購」","「成本」＋「需求」＋「競爭」","「競爭」＋「需求」＋「回購」","「成本」＋「競爭」＋「回購」",1,"消費者授信","消費者貸款訂價要同時站穩三個支點:成本導向確保利率足以覆蓋資金成本、作業成本與預期損失,守住獲利底線;需求導向依客戶對利率的敏感度與用款需求調整,把價格訂在客戶願意接受的區間;競爭導向參酌同業牌告與市場行情,避免價格脫離市場而流失客源,三者兼顧才稱得上完善合理。回購是債券附買回等資金交易的操作方式,並非消費者貸款的訂價導向,凡把回購納入的組合都不成立,(A)(C)(D) 因此皆非正解;其中 (C) 又漏掉成本,連利率能否覆蓋成本都無從把關,問題更大。","medium",[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-45-058","有關汽車貸款之敘述，下列何者錯誤？",58,{"id":43,"question":44,"qno":45},"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？",59,1785146813581]