[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-credit_prac-46-012":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-46-012","46",12,"借款資金之運用計畫中，下列何者銀行承擔之風險最高？",[13,14,15,16],"購買流動資產","購置固定資產","替代股權","償還既存債務",2,"基礎授信",1,"替代股權的借款,實質上是拿銀行的錢去頂替股東本來該投入的自有資本。這種資金沒有具體交易可供自償,還款來源只能倚賴企業未來多年累積的盈餘,期間最長、變數最多;股東少出錢,自有資本比率被稀釋,一旦虧損先受衝擊的就是銀行,可是銀行只收固定利息卻承擔近似股東的風險,風險自然最高。(A) 購買流動資產屬自償性用途,原料變成品、賣出收現即可還款,循環很短;(B) 購置固定資產回收期雖長,但形成看得見的資產,可設定抵押並靠折舊與盈餘攤還;(D) 償還既存債務只是把債權人換成本行,企業體質未變,風險居中而非最高。","medium",[23,26,30,34,38,42],{"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":37},"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":39,"question":40,"qno":41},"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":43,"question":44,"qno":45},"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？",8,1785146813833]