[{"data":1,"prerenderedAt":45},["ShallowReactive",2],{"q-credit_prac-46-005":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","c1",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":17,"explanation":19,"difficulty":20},"credit_prac-46-005","46",5,"乙銀行 113 年底淨值為 150 億元，114 年 1 月 2 日對非為利害關係人最高授信總餘額，下列何者未違反銀行法？",[13,14,15,16],"對同一自然人無擔保授信總餘額為 3 億元","對同一法人授信總餘額為 16 億元","對同一關係人無擔保授信總餘額為 46 億元","對同一關係人無擔保授信總餘額為 30 億元",1,"基礎授信","銀行法授權辦法對非利害關係人的授信限額以淨值為基準:同一自然人無擔保授信不得超過淨值百分之一、同一法人授信總餘額不得超過百分之十五、同一關係人無擔保授信不得超過百分之十。以淨值 150 億元計算,同一法人授信上限為 150 × 15% = 22.5 億元,(B) 的 16 億元仍在上限內,未違反規定。(A) 自然人無擔保上限為 150 × 1% = 1.5 億元,3 億元已逾限。(C)(D) 同一關係人無擔保上限為 150 × 10% = 15 億元,46 億元與 30 億元都超過,均屬違反。","hard",[22,25,29,33,37,41],{"id":23,"question":24,"qno":17},"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":26,"question":27,"qno":28},"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":30,"question":31,"qno":32},"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？",4,{"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？",8,1785146813780]