[{"data":1,"prerenderedAt":44},["ShallowReactive",2],{"q-credit_prac-47-008":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-47-008","47",8,"依銀行法規定，所稱擔保授信，謂對銀行之授信，提供下列四項之一為擔保者：(一)不動產或動產抵押權，(二)動產或權利質權，(三)借款人營業交易所發生之應收票據，第四項為何？",[13,14,15,16],"借款人營業交易所發生之應收帳款","借款人之公司全體董監事連保","股份有限公司依銀行法第三十條所為之承諾","各級政府公庫主管機關、銀行或經政府核准設立之信用保證機構之保證",3,"基礎授信",1,"銀行法對擔保授信採列舉定義，只有四類算數：不動產或動產抵押權、動產或權利質權、借款人營業交易所發生的應收票據，以及各級政府公庫主管機關、銀行或政府核准設立之信用保證機構的保證。第四類的共同點是保證人信用極高、代償能力無虞，法律才承認它與物保等值。(A) 應收帳款雖可設質或讓與，但條文寫的是應收票據，不在列舉之內。(B) 董監事連保屬自然人保證，償債能力隨個人財務起伏，只是信用授信的加強。(C) 是股份有限公司經董事會決議出具的書面承諾，藉此免辦抵押權登記，未完成物權設定就不算擔保授信。","hard",[23,26,29,33,37,41],{"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":40},"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":42,"question":43,"qno":10},"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？",1785146814538]