[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-credit_prac-46-017":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-46-017","46",17,"企業為維持正常營運所需的最低流動資產量，包括現金、存貨、應收帳款、應收票據等。無法以自有資金滿足，須由銀行對其差額所為之融資，係指下列何者？",[13,14,15,16],"經常性週轉資金貸款","季節性週轉資金貸款","臨時性週轉資金貸款","計劃性融資貸款",0,"企業授信",1,"企業要維持正常營運,現金、存貨、應收帳款與應收票據必須長期停在一定水位,這個最低必要的流動資產量是常態性的資金需求;扣掉自有資金能支應的部分,差額就靠銀行的經常性週轉資金貸款補足,金額相對穩定,通常以循環動用方式承作。(B) 季節性週轉資金針對產銷旺季暫時墊高的存貨與應收款,淡季即回收,呈現明顯的季節起伏;(C) 臨時性週轉資金因突發大額訂單、繳稅等個案需求而生,一次性、短期就結清;(D) 計劃性融資對應購置機器設備或擴廠等長期投資,還款來源是計畫本身產生的收益,屬中長期授信。","easy",[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":10},"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？",1785146813892]