[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-credit_prac-46-007":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","c2",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":19,"explanation":20,"difficulty":21},"credit_prac-46-007","46",7,"依中小企業信保基金直接信用保證規定，下列敘述何者錯誤？",[13,14,15,16],"除另有規定者外，保證成數最高九成","基本保證手續費率為年費率 0.375%","差額保證手續費率依申貸企業風險，分為 A、 B、 C 三組群","申貸企業有退票未辦理清償註記，其差額保證手續費率屬 B 組群",3,"企業授信",1,"直接信用保證由信保基金自行審查後直接對金融機構出具保證。(D) 的敘述與風險分組邏輯不符:申貸企業已有退票且未辦理清償註記,代表信用紀錄明顯瑕疵,應歸入風險最高的組群並適用最高的差額保證手續費率,而不是中間的 B 組群,故為錯誤。(A) 除另有規定者外,保證成數最高為九成,銀行仍須自負一成風險以維持審查誘因。(B) 基本保證手續費率為年費率 0.375%,是所有案件的共同基礎。(C) 差額保證手續費率再依申貸企業的風險高低分為 A、B、C 三個組群,風險愈高費率愈高。","hard",[23,27,31,35,39,43],{"id":24,"question":25,"qno":26},"credit_prac-45-002","下列何者不是分析企業經營效能之比率？",2,{"id":28,"question":29,"qno":30},"credit_prac-45-005","企業短期償債能力的大小，可由下列何者加以測定？",5,{"id":32,"question":33,"qno":34},"credit_prac-45-010","下列授信項目何者不是交易性融資？",10,{"id":36,"question":37,"qno":38},"credit_prac-45-014","依中小企業信用保證基金規定，間接送保案件應於該基金保證書所載有效期限內核准並動用首筆授信，必要時得申請延長多久？",14,{"id":40,"question":41,"qno":42},"credit_prac-45-016","下列何者非屬企業之速動資產？",16,{"id":44,"question":45,"qno":46},"credit_prac-45-017","銀行辦理墊付國內票款業務所徵提之統一發票，應於下列何聯加蓋「已在 XX 行庫辦理融資」文義之戳記？",17,1785146813794]