[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-credit_prac-46-059":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","c4",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":19,"explanation":20,"difficulty":21},"credit_prac-46-059","46",59,"甲以市價 2,000 萬元之不動產為擔保，向銀行借款 1,400 萬元，若建築物之重置成本為 1,000 萬元，則該建築物宜投保火險金額為何？",[13,14,15,16],"1,000 萬元","1,200 萬元","1,400 萬元","1,680 萬元",0,"消費者授信",1,"火災燒毀的是建築物，土地不會滅失，所以火險的保險金額應以建築物的重置成本為基準。本題建築物重置成本 1,000 萬元，足額投保 1,000 萬元即可完全填補重建損失，(A)正確。(B)1,200 萬元與(D)1,680 萬元（1,400 萬 × 1.2 ＝ 1,680 萬）都高於重置成本，形成超額保險；火險採損害填補原則，理賠仍以實際損失為上限，多繳的保費形同浪費。(C)1,400 萬元是借款金額，而 2,000 萬元市價中含有土地價值，不能拿授信金額或含地價值當作建築物的投保金額。","medium",[23,27,31,35,39,43],{"id":24,"question":25,"qno":26},"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":28,"question":29,"qno":30},"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":32,"question":33,"qno":34},"credit_prac-45-056","有關股票及有價證券貸款，下列敘述何者錯誤？",56,{"id":36,"question":37,"qno":38},"credit_prac-45-057","有關股票貸款維持率之控管，下列何者錯誤？",57,{"id":40,"question":41,"qno":42},"credit_prac-45-058","有關汽車貸款之敘述，下列何者錯誤？",58,{"id":44,"question":45,"qno":10},"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？",1785146814285]