[{"data":1,"prerenderedAt":44},["ShallowReactive",2],{"q-credit_prac-47-007":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","c1",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":19,"explanation":20,"difficulty":21},"credit_prac-47-007","47",7,"甲銀行 114 年底淨值為 120 億元，115 年 1 月 2 日對同一關係人最高授信總餘額，除公營事業外，不得超過多少億元？",[13,14,15,16],"30 億元","36 億元","42 億元","48 億元",3,"基礎授信",1,"主管機關對集團授信的集中度設有上限：銀行對同一關係人的授信總餘額，不得超過該銀行上年度決算後淨值的 40%，其中對自然人的部分另訂更低比率，而對公營事業的授信則不受此限制。甲銀行 114 年底淨值 120 億元，115 年初適用的限額即為 120 億元 × 40% ＝ 48 億元，所以 (D) 正確。(A) 30 億元只有淨值的 25%，(B) 36 億元是 30%，(C) 42 億元是 35%，三者都低於法定比率，通常是把同一關係人的限額和同一自然人、同一法人等其他歸戶標準記混了才會誤選。","hard",[23,26,29,33,37,40],{"id":24,"question":25,"qno":19},"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":27,"question":28,"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":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":36},"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":38,"question":39,"qno":10},"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？",{"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？",8,1785146814529]