[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-credit_prac-46-068":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-46-068","46",68,"銀行承做汽車貸款，分為購車貸款及週轉金貸款；一般而言，購車後至遲多久內提出貸款申請者，可視為購車貸款？",[13,14,15,16],"二週","一個月","三個月","六個月",1,"消費者授信","區分購車貸款與週轉金貸款的關鍵，在於申貸與購車行為是否緊接在一起。(B)購車後一個月內提出申請，可以認定資金確實用於支付車款，車輛狀況與交易價格資料也都還新，實務上仍視為購車貸款，適用較高成數與較低利率；超過一個月才申請，代表車款已由客戶自有資金付清，借款用途轉為一般週轉，銀行改按週轉金貸款從嚴核貸並以車商進價估價。(A)二週過於嚴苛，不符交車、領牌與過戶的作業時程。(C)三個月與(D)六個月則過寬，車輛已明顯折舊，資金用途也難以查證。","hard",[22,26,30,34,38,42],{"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":33},"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":35,"question":36,"qno":37},"credit_prac-45-057","有關股票貸款維持率之控管，下列何者錯誤？",57,{"id":39,"question":40,"qno":41},"credit_prac-45-058","有關汽車貸款之敘述，下列何者錯誤？",58,{"id":43,"question":44,"qno":45},"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？",59,1785146814374]