[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-credit_prac-46-018":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-46-018","46",18,"聯合貸款案件發生壞帳，除特約事項外，授信風險分攤為下列何者？",[13,14,15,16],"主辦行有優先受償權利","參貸金額大者優先受償","按各參貸銀行已撥貸未受清償餘額比率分攤","由債務人決定分配比率",2,"企業授信",1,"聯合貸款的核心精神是參貸銀行共同承擔、按比例分享,因此除聯貸合約另有特約外,壞帳發生後的損失與求償結果,須依各參貸行實際已撥貸而未受清償的餘額比率分攤,收多少、賠多少都用同一把尺,這也是主辦行在聯貸合約中必須明訂的分配機制。(A) 主辦行負責籌組、安排文件並擔任管理銀行、收取主辦費,但在受償順位上與其他參貸行完全平等,沒有優先權;(B) 參貸金額大小只影響分攤比例,不會改變受償先後;(D) 分配比率是債權人之間依合約約定的事,債務人無權置喙,否則債權保障形同虛設。","medium",[23,26,30,34,38,42],{"id":24,"question":25,"qno":17},"credit_prac-45-002","下列何者不是分析企業經營效能之比率？",{"id":27,"question":28,"qno":29},"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":31,"question":32,"qno":33},"credit_prac-45-010","下列授信項目何者不是交易性融資？",10,{"id":35,"question":36,"qno":37},"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":39,"question":40,"qno":41},"credit_prac-45-016","下列何者非屬企業之速動資產？",16,{"id":43,"question":44,"qno":45},"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？",17,1785146813896]