[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-credit_prac-46-060":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-46-060","46",60,"消費者貸款與一般企業貸款比較，其特性為何？",[13,14,15,16],"具有自償性","到期一次清償本金","借款期限在一年以內","每戶貸款金額小，件數多",3,"消費者授信",1,"(D)消費者貸款的對象是個人與家庭，每戶金額小、件數多，銀行必須靠標準化商品、制式徵信流程與大數法則分散風險，經營重點在批量作業效率與資訊系統，這正是它與企業貸款最鮮明的差異。(A)自償性是企業授信的特徵，資金用於採購生產、銷貨後以貨款自動償還；消費性資金用於購屋、購車或日常消費，還款靠借款人的薪資等經常性收入，不具自償性。(B)消費者貸款多採本息按月分期攤還，而非到期一次清償本金。(C)房貸期間常達二十年以上，車貸也多為三至五年，並非都在一年以內。","easy",[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":46},"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？",59,1785146814298]