[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-credit_prac-47-012":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-47-012","47",12,"依銀行法規定，商業銀行辦理住宅建築及企業建築放款之總額，除但書規定外，不得超過放款時之一定比率，其限制為何？",[13,14,15,16],"存款總餘額之 30%","存款總餘額之 20%","存款總餘額及金融債券發售額之和之 30%","存款總餘額及金融債券發售額之和之 20%",2,"基礎授信",1,"銀行法對商業銀行的建築放款設有總量管制：辦理住宅建築及企業建築放款的總額，不得超過放款時所收存款總餘額加上金融債券發售額之和的 30%。分母之所以把金融債券併入，是因為金融債券同樣是銀行中長期資金的來源，用它與存款一起支應期限較長的建築放款才合理；30% 的天花板則在避免資金過度集中於不動產、承受景氣循環的衝擊。(A)(B) 的分母只算存款總餘額，漏掉金融債券發售額。(B)(D) 則把比率記成 20%。條文另有但書把特定政策性、都市更新等放款排除在限額之外，實務計算時要先扣除但書項目再比對。","hard",[23,26,30,34,38,42],{"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":29},"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":31,"question":32,"qno":33},"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":35,"question":36,"qno":37},"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":39,"question":40,"qno":41},"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":43,"question":44,"qno":45},"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？",8,1785146814568]