[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-credit_prac-47-026":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","c2",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":17,"explanation":19,"difficulty":20},"credit_prac-47-026","47",26,"有關銀行辦理承包工程保證，下列敘述何者正確？",[13,14,15,16],"履約保證金之額度，一般為工程合約金額之 30 %","預付款保證之保證責任應以預付款扣除已收回、可收回或承包商已償還金額之餘額為準，並以保證金額為最高限額","保留款之保證期間至保固期滿後終止","支付款保證係銀行向承包商提供保證，避免業主因財務困難未能支付工程款",1,"企業授信","(B)正確:預付款保證擔保業主先撥的工程預付款會被用於履約,承包商每完成一期即從估驗計價款中沖回一部分,保證責任自然遞減,故以預付款扣除已收回、可收回或已償還後的餘額計算,並以保證金額為最高限額,不致出現超額保證。(A)履約保證金一般以契約金額百分之十為原則,百分之三十過高。(C)保留款保證是為讓承包商提前取回業主扣留的保留款而設,保證責任與保留款的返還連動,把期間一律說成保固期滿並不精確。(D)支付款保證的申請人是承包商,由銀行保證其付清下包商、供料商與工資款,保障對象並非承包商自己。","hard",[22,26,30,34,38,42],{"id":23,"question":24,"qno":25},"credit_prac-45-002","下列何者不是分析企業經營效能之比率？",2,{"id":27,"question":28,"qno":29},"credit_prac-45-005","企業短期償債能力的大小，可由下列何者加以測定？",5,{"id":31,"question":32,"qno":33},"credit_prac-45-010","下列授信項目何者不是交易性融資？",10,{"id":35,"question":36,"qno":37},"credit_prac-45-014","依中小企業信用保證基金規定，間接送保案件應於該基金保證書所載有效期限內核准並動用首筆授信，必要時得申請延長多久？",14,{"id":39,"question":40,"qno":41},"credit_prac-45-016","下列何者非屬企業之速動資產？",16,{"id":43,"question":44,"qno":45},"credit_prac-45-017","銀行辦理墊付國內票款業務所徵提之統一發票，應於下列何聯加蓋「已在 XX 行庫辦理融資」文義之戳記？",17,1785146814702]