[{"data":1,"prerenderedAt":45},["ShallowReactive",2],{"q-credit_prac-47-022":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-47-022","47",22,"下列何者為非追隨交易行為承作之貸款？",[13,14,15,16],"購料貸款","小額信用貸款","外銷貸款","國內信用狀融資",1,"基礎授信","追隨交易行為的授信,是跟著一筆真實買賣走:購料貸款對應進貨、外銷貸款對應出口訂單,國內信用狀融資則對應國內交易的貨款,銀行看得到交易憑證,也看得到還款財源會從這筆交易的貨款回流,具自償性。(B)小額信用貸款是憑個人信用核給的消費性資金,用途可能是裝潢、旅遊或臨時周轉,背後沒有一筆特定交易可供追蹤,還款靠的是借款人的薪資與整體償債能力,而非交易貨款回籠,因此不是追隨交易行為承作的貸款。(A)(C)(D)都必須檢附發票、訂單或信用狀等單據才動撥,金額也隨交易金額而定,與(B)有本質差別。","medium",[22,25,29,33,37,41],{"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":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":44},"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？",8,1785146814654]