[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-credit_prac-45-066":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-45-066","45",66,"有關個人小額信用貸款之敘述，下列何者錯誤？",[13,14,15,16],"一般係指金額在新臺幣一百五十萬元以下者","借款人免提供擔保品","應強化審核機制以控制授信品質","可作為個人小額消費、投資理財或週轉之用",0,"消費者授信",1,"個人小額信用貸款在實務與教材上的界定,是金額在新臺幣一百萬元以下、無擔保品的個人信用貸款,(A) 寫成一百五十萬元以下不符定義,屬錯誤敘述。(B) 這類貸款純以借款人的職業、所得與信用紀錄核貸,不徵提不動產或存單等擔保品,免提供擔保品正是其特色。(C) 因為沒有擔保品可供求償,一旦違約回收困難,銀行必須靠聯徵查詢、收入驗證、負債比控管與信用評分等強化審核機制維持授信品質。(D) 資金用途具彈性,可供個人小額消費、投資理財或短期週轉,並不限定單一用途。","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？",59,1785146813594]