[{"data":1,"prerenderedAt":45},["ShallowReactive",2],{"q-credit_prac-46-004":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","c1",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":19,"explanation":20,"difficulty":21},"credit_prac-46-004","46",4,"有關債權確保之外部保障，下列何者非屬之？",[13,14,15,16],"保證人","背書保證","周全的放款契約條款","以第三者之資產作擔保",2,"基礎授信",1,"債權保障分內部保障與外部保障:內部保障來自借款人本身,包括其財務結構、所提供的擔保品,以及放款契約中的各項限制條款;外部保障則來自借款人以外的第三人。周全的放款契約條款是銀行與借款人之間的約定,依靠的仍是借款人自身履約,屬內部保障,故非外部保障。(A) 保證人以自己的財產對銀行負清償責任,是最典型的外部保障。(B) 背書保證由第三人在票據或契約上背書承擔責任,同屬第三人提供的信用支持。(D) 以第三者的資產設定抵押或質押,擔保物並非借款人所有,自然歸類為外部保障。","medium",[23,26,30,33,37,41],{"id":24,"question":25,"qno":19},"credit_prac-45-001","有關銀行辦理授信業務應把握之基本原則，下列何者錯誤？",{"id":27,"question":28,"qno":29},"credit_prac-45-003","銀行法對於銀行辦理授信，其有關授信用途與授信期間之規範，下列敘述何者錯誤？",3,{"id":31,"question":32,"qno":10},"credit_prac-45-004","銀行未於借貸契約中，與借款人議定行使加速條款之事由及效果，恐違反下列何法規？",{"id":34,"question":35,"qno":36},"credit_prac-45-006","授信評估五 P 原則中，下列何種因素有「銀行收回貸款之第二道保障」之稱？",6,{"id":38,"question":39,"qno":40},"credit_prac-45-007","外國銀行在中華民國境內設立分行營業，須經中華民國政府的核准許可後，始可開業，此制度屬於下列何者？",7,{"id":42,"question":43,"qno":44},"credit_prac-45-008","依消費者保護法規定，銀行與客戶經由個別磋商之約定事項，其適用之效力為何？",8,1785146813759]