[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-credit_prac-46-026":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-46-026","46",26,"進行情境分析時，下列何者發生機率最大？",[13,14,15,16],"最差狀況","最好狀況","最可能發生","不會發生",2,"企業授信",1,"情境分析會設定數種未來狀況再評估授信案的耐受度,通常包含最可能發生、最好與最差三種情境。最可能發生的情境是以現有市場資料、產業趨勢與企業歷史績效推估出來的,位於機率分布的中心,發生可能性最高,因此被當成基本案例,用來計算預估還款財源與合理的還款期間。(A) 最差狀況與 (B) 最好狀況位於分布的兩端尾巴,機率都偏低,前者用來壓力測試最壞情形下銀行能否收回本金,後者用來看上檔空間,兩者是對照組而非基準;(D) 不會發生的情境根本不列入分析,沒有任何評估意義。","easy",[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？",17,1785146813974]