[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-credit_prac-46-019":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-46-019","46",19,"銀行承作中長期授信案，為降低授信風險，往往要求借款人履行某些特約條款，下列何者屬於特約條款中的否定條款？",[13,14,15,16],"債務總額之限制","財務比率之限制","禁止出售應收帳款","按期提供各種財務報告表",2,"企業授信",1,"中長期授信的特約條款依性質分成肯定條款、否定條款與限制條款三類。否定條款是要求借款人「不得為某些行為」,例如禁止出售應收帳款、禁止將主要資產設定他項權利或讓售、禁止為他人保證,目的在防止借款人於借款期間掏空可供償債的資產,削弱銀行債權地位;禁止出售應收帳款正是典型的不作為約定。(A) 債務總額之限制與 (B) 財務比率之限制,都是設定一個可接受的上下限、在額度內仍可作為,屬於限制條款;(D) 按期提供各種財務報告表要求借款人主動作為,是最常見的肯定條款,方向與否定條款相反。","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？",17,1785146813900]