[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-credit_prac-46-036":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","c1",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":19,"explanation":20,"difficulty":21},"credit_prac-46-036","46",36,"依「中華民國銀行公會會員徵信準則」規定，企業短期授信案件之徵信範圍，不包括下列何者？",[13,14,15,16],"分期償還能力分析","產業概況","業務概況","保證人一般信譽",0,"基礎授信",1,"依中華民國銀行公會會員徵信準則,企業短期授信的徵信範圍包括企業及其主要負責人一般信譽、企業之設立沿革與組織、業務概況、產業概況、財務狀況,以及保證人一般信譽等項目。分期償還能力分析是中長期授信才要加做的功課,因為中長期授信按期攤還本息、期間橫跨數年,必須以預估現金流量逐期檢視還款財源;短期授信一年內到期,靠流動資產變現清償,不需要這種分期試算。(B) 產業概況、(C) 業務概況、(D) 保證人一般信譽都明列在短期授信的徵信範圍內,是承作前的基本查核項目。","medium",[23,26,30,34,38,42],{"id":24,"question":25,"qno":19},"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":27,"question":28,"qno":29},"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":31,"question":32,"qno":33},"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":35,"question":36,"qno":37},"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":39,"question":40,"qno":41},"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":43,"question":44,"qno":45},"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？",8,1785146814064]