[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-credit_prac-46-013":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-46-013","46",13,"依銀行法規定，銀行辦理購買自用住宅之放款，期限原則上最長為幾年？",[13,14,15,16],"十五年","二十年","三十年","四十年",2,"基礎授信",1,"銀行法第三十八條規定,銀行對於購買或建造住宅、企業用建築所辦理的中長期放款,最長期限不得超過三十年,用意在避免放款年限拉得過長,與銀行資金來源多屬短期的性質失衡。同條但書另留一個出口:對原本沒有自用住宅的人購買自用住宅,不受三十年上限拘束,那是政策性例外而非原則,所以以原則論就是三十年。(A) 十五年與 (B) 二十年是市場上常見的房貸實際承作年期,屬各家銀行自訂的授信政策,不是法定上限;(D) 四十年已明顯逾越條文文字。記住「原則三十年、無自用住宅者例外」就不會被選項牽著走。","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？",8,1785146813853]