[{"data":1,"prerenderedAt":45},["ShallowReactive",2],{"q-credit_prac-46-056":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","c4",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":17,"explanation":19,"difficulty":20},"credit_prac-46-056","46",56,"房屋貸款整個貸款期間，皆為同一個利率，不作調整，稱為下列何者？",[13,14,15,16],"機動利率","固定利率","議定利率","機動／固定組合利率",1,"消費者授信","(B)固定利率是借貸雙方在契約中約定一個利率，整個貸款期間都不隨市場資金情勢調整，借款人每期本息負擔完全可以預期，好處是升息時不受影響，代價則是降息時也無法享受利率下滑的好處。(A)機動利率隨銀行基準利率或指標利率定期重訂，升降息會直接反映在往後各期的還款金額上。(C)議定利率指利率水準由雙方協商決定，重點在價格怎麼談出來，與事後是否調整無關。(D)機動與固定組合是前段期間採固定、後段改採機動，或兩者按比例搭配，貸款期間內利率仍然會變動。","easy",[22,26,30,33,37,41],{"id":23,"question":24,"qno":25},"credit_prac-45-031","金融機構辦理消費者貸款需要有良好的行銷策略，一般而言下列何者不屬於行銷策略的 4P 要素？",31,{"id":27,"question":28,"qno":29},"credit_prac-45-055","銀行在辦理中古車的汽車貸款時，對同一中古車的鑑價應採用下列何項金額為宜？",55,{"id":31,"question":32,"qno":10},"credit_prac-45-056","有關股票及有價證券貸款，下列敘述何者錯誤？",{"id":34,"question":35,"qno":36},"credit_prac-45-057","有關股票貸款維持率之控管，下列何者錯誤？",57,{"id":38,"question":39,"qno":40},"credit_prac-45-058","有關汽車貸款之敘述，下列何者錯誤？",58,{"id":42,"question":43,"qno":44},"credit_prac-45-059","房屋貸款辦理最高限額抵押權設定時，一般以借款金額加幾成為設定金額？",59,1785146814260]