[{"data":1,"prerenderedAt":44},["ShallowReactive",2],{"q-credit_prac-47-006":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":17,"explanation":19,"difficulty":20},"credit_prac-47-006","47",6,"下列何者係指依金融市場動態、區域性因素及同業競爭利率水準等加以考量之訂價法？",[13,14,15,16],"成本加成訂價法","市場價格訂價法","目標利潤訂價法","雙方議價法",1,"基礎授信","授信訂價常見四種做法：成本加成、市場價格、目標利潤與雙方議價。市場價格訂價法把眼睛放在外部，參考金融市場資金鬆緊、區域因素與同業掛牌利率水準，再決定自家報價，好處是不會偏離行情、有利爭取客戶，缺點是報出來的價格未必完全覆蓋自身成本與風險。(A) 成本加成訂價法從內部算起，把資金成本、作業成本、風險貼水與預期利潤逐項堆疊出利率。(C) 目標利潤訂價法先設定資本報酬率或利差目標，再回推應該收多少利率。(D) 雙方議價法就個案與客戶談判，取決於整體往來貢獻度與議價實力，並非以市場行情為主要依據。","medium",[22,25,29,33,36,40],{"id":23,"question":24,"qno":17},"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":28},"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？",3,{"id":30,"question":31,"qno":32},"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":34,"question":35,"qno":10},"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？",{"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？",8,1785146814526]