[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-credit_prac-46-065":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-46-065","46",65,"有關汽車貸款業務之敘述，下列何者正確？",[13,14,15,16],"在核貸金額時，週轉金貸款係以汽車之售價（車商之進價）為核貸金額之基準","週轉金貸款係先付清車款取得車輛後，再向銀行申請融資，銀行在審核時之尺度較購車貸款為寬鬆","購車貸款（含新車及中古車）之鑑價，依車商之進價予以評估","凡購車後六個月內提出融資申請者，視為購車貸款",0,"消費者授信",1,"汽車貸款分兩類：購車貸款是購車同時申辦，資金直接支付車款；週轉金貸款則是客戶早已付清車款、車輛已登記在自己名下，再拿車子來借錢，用途與購車行為脫鉤，銀行必須從嚴估價，以車商的進價作為核貸金額基準，(A)正確。(B)週轉金貸款資金用途不明確、車輛已開始折舊，審核尺度應比購車貸款嚴格而非寬鬆。(C)購車貸款的鑑價依實際成交的售價評估，不是車商進價。(D)購車後逾一個月才提出申請的，已改按週轉金貸款辦理，六個月的說法過寬。","hard",[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？",59,1785146814345]