[{"data":1,"prerenderedAt":45},["ShallowReactive",2],{"q-credit_prac-46-006":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-46-006","46",6,"金融業因故意或過失違反個人資料保護法規定，致當事人權益受損害者，應負擔損害賠償責任；對於故意、過失之認定是採下列何種主義？",[13,14,15,16],"抽象過失主義","具體過失主義","推定過失主義","重大過失主義",2,"基礎授信",1,"個人資料保護法對非公務機關的損害賠償採推定過失主義:當事人只要證明自己的權益因個資遭不法蒐集、處理或利用而受損害,即推定業者有故意或過失,業者必須舉證證明自己並無故意或過失才能免責,舉證責任因此倒置到金融業一方。這樣設計是因為個資如何被處理都發生在業者內部,一般人根本無從舉證。(A) 抽象過失指未盡善良管理人注意義務,是注意義務程度的分類,不是舉證責任的分配方式。(B) 具體過失以與處理自己事務同一注意為標準,(D) 重大過失指顯然欠缺一般人注意,談的都是注意義務高低。","medium",[23,26,30,34,37,41],{"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":33},"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":35,"question":36,"qno":10},"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？",{"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？",8,1785146813783]