[{"data":1,"prerenderedAt":45},["ShallowReactive",2],{"q-credit_prac-46-016":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-46-016","46",16,"借款人、保證人有權向銀行要求留存下列何項文件以充分瞭解自身權益？",[13,14,15,16],"授信核准文件","徵信調查資料","信用評等結果","借貸契約正本或註明「與正本完全相符」之影本乙份",3,"基礎授信",1,"金融消費者保護與銀行公會的定型化契約規範都要求,銀行與借款人、保證人簽訂借貸契約後,應交付契約正本,或交付註明「與正本完全相符」的影本乙份供其留存,目的是讓實際負擔債務的人隨時能查對利率、各項費用、加速到期條件與保證責任範圍,避免事後各說各話。這也是保證人日後主張自身責任界線最重要的依據。(A) 授信核准文件、(B) 徵信調查資料、(C) 信用評等結果,都屬銀行內部的審核作業文件,內含對客戶與第三人的評價及自他處蒐集的個人資料,涉及營業秘密與個資保護,客戶並無請求交付的權利。","easy",[23,26,29,33,37,41],{"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":17},"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？",{"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？",8,1785146813876]