[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-credit_prac-45-068":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-45-068","45",68,"有關消費者房屋貸款之利率調整方式，下列何者非屬之？",[13,14,15,16],"固定利率與機動利率組合","按到期時之基本放款利率加碼","依客戶往來關係定價","依動用金額高低訂定不同利率",1,"消費者授信","房貸利率的調整機制必須讓借貸雙方在動用當下就能算出應付利息。(B) 按到期時的基本放款利率加碼,到期日尚未到來、屆時的基準利率無從得知,契約無法據以計息,實務上不存在這種調整方式,故非屬之。(A) 前段以固定利率鎖住負擔、後段轉為機動利率隨基準利率浮動,是常見的固定與機動組合型房貸。(C) 依存款、薪轉、信用卡等往來貢獻度給予利率優惠,是銀行留住客戶的定價手法。(D) 依動用金額分級訂定不同利率,金額愈大議價空間愈大,也是實務常見的階梯式定價。","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？",59,1785146813612]