[{"data":1,"prerenderedAt":44},["ShallowReactive",2],{"q-credit_prac-47-001":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","c1",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":10,"explanation":19,"difficulty":20},"credit_prac-47-001","47",1,"銀行對其負責人、職員辦理無擔保消費者貸款，其額度以不超過新臺幣多少元為限？",[13,14,15,16],"六十萬元","八十萬元","一百二十萬元","二百萬元",3,"基礎授信","銀行法原則禁止對本行負責人、職員或與其有利害關係者辦理無擔保授信，以杜絕內部人自肥；但消費者貸款與對政府貸款是明文的例外，可以無擔保承作。這裡的消費者貸款設有金額天花板，主管機關現行規定為每人新臺幣二百萬元，涵蓋房屋修繕、耐久性消費財、支付學費及其他個人小額貸款等用途，超過部分就必須徵提十足擔保，並依利害關係人擔保授信的條件與決議程序辦理。(A)(B)(C) 三個較低金額都不是現行標準；這個門檻早年訂得較低，後來配合消費金融需求調高，考生若停留在舊數字就會誤選，記得以現行的二百萬元為準。","hard",[22,25,28,32,36,40],{"id":23,"question":24,"qno":10},"credit_prac-45-001","有關銀行辦理授信業務應把握之基本原則，下列何者錯誤？",{"id":26,"question":27,"qno":17},"credit_prac-45-003","銀行法對於銀行辦理授信，其有關授信用途與授信期間之規範，下列敘述何者錯誤？",{"id":29,"question":30,"qno":31},"credit_prac-45-004","銀行未於借貸契約中，與借款人議定行使加速條款之事由及效果，恐違反下列何法規？",4,{"id":33,"question":34,"qno":35},"credit_prac-45-006","授信評估五 P 原則中，下列何種因素有「銀行收回貸款之第二道保障」之稱？",6,{"id":37,"question":38,"qno":39},"credit_prac-45-007","外國銀行在中華民國境內設立分行營業，須經中華民國政府的核准許可後，始可開業，此制度屬於下列何者？",7,{"id":41,"question":42,"qno":43},"credit_prac-45-008","依消費者保護法規定，銀行與客戶經由個別磋商之約定事項，其適用之效力為何？",8,1785146814483]