[{"data":1,"prerenderedAt":45},["ShallowReactive",2],{"q-credit_prac-46-023":3},{"exam":4,"examName":5,"chapterSlug":6,"question":7,"related":21},"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":17,"explanation":19,"difficulty":20},"credit_prac-46-023","46",23,"授信戶借款期間因企業活動所產生的營運資金，即為下列何項之淨額？",[13,14,15,16],"總資產減總負債","流動資產減流動負債","現金流入減現金流出","營業收入減營業支出",1,"基礎授信","營運資金又稱淨營運資金,定義是流動資產減流動負債,代表企業把一年內可變現的資產拿去償還一年內到期的債務後,還剩下多少可自由運用的短期資金。它衡量的是短期償債能力與營運彈性:金額為正,表示有部分長期資金支應了流動資產,體質較穩;若為負數,代表短期借款被拿去養固定資產,資金結構明顯失衡。(A) 總資產減總負債是淨值(股東權益),看的是整體財富而非短期流動性;(C) 現金流入減現金流出是淨現金流量,屬現金流量表的概念;(D) 營業收入減營業支出接近損益概念,都不是營運資金的定義。","easy",[22,25,29,33,37,41],{"id":23,"question":24,"qno":17},"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":26,"question":27,"qno":28},"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":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？",8,1785146813945]