[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-credit_prac-46-049":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","c3",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":19,"explanation":20,"difficulty":21},"credit_prac-46-049","46",49,"銀行辦理出口信用狀週轉金貸款係以信用狀之有效期限為到期日，且一般以不超過幾天為原則？",[13,14,15,16],"90 天","120 天","180 天","270 天",2,"外匯授信",1,"出口信用狀週轉金貸款屬裝船前融資，銀行憑國外開來的信用狀先墊付備料、加工、包裝所需資金，還款來源是日後出口押匯的貨款，所以到期日設在信用狀有效期限之內；再考量備貨到裝運押匯的合理作業週期，實務上以(C)不超過 180 天為原則。(A)90 天、(B)120 天往往與生產週期脫節，資金還沒回收貸款就到期，反而要展期。(D)270 天已超過短期自償性融資的合理天期，期間拉得太長會使貸款到期日與貨款回收時點脫鉤，銀行難以掌握資金流向，逾期風險升高。","hard",[23,27,31,35,39,43],{"id":24,"question":25,"qno":26},"credit_prac-45-041","「外匯短缺而對外債之支付或匯款限制、禁止」屬下列何種風險？",41,{"id":28,"question":29,"qno":30},"credit_prac-45-042","下列何者係屬銀行之外匯授信業務？",42,{"id":32,"question":33,"qno":34},"credit_prac-45-043","銀行在辦理開發進口信用狀，向客戶收取保險單時，下列何者有瑕疵？",43,{"id":36,"question":37,"qno":38},"credit_prac-45-044","下列何者屬於外匯間接授信項目？",44,{"id":40,"question":41,"qno":42},"credit_prac-45-045","出口商得以下列何種交易方式項下之匯票及單據，向銀行申請承作 FORFAITING 業務？",45,{"id":44,"question":45,"qno":46},"credit_prac-45-046","Import Factor 買入出口商對進口商之應收帳款債權，所承擔之風險不包括下列何項？",46,1785146814186]