[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-credit_prac-47-027":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","c2",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":19,"explanation":20,"difficulty":21},"credit_prac-47-027","47",27,"下列何項銀行授信業務，企業所取得之資金係來自貨幣市場而非由銀行直接撥貸？",[13,14,15,16],"外銷貸款","墊付國內票款","發行商業本票保證","貼現",2,"企業授信",1,"發行商業本票保證的資金流向與一般放款不同:企業簽發商業本票,由銀行在票上保證,再透過票券金融公司在貨幣市場承銷給投資人,企業拿到的錢是投資人買票的價金,銀行只提供信用而未撥款,除非到期企業無力償還才須代償,屬間接授信。(A)外銷貸款是銀行憑訂單或信用狀直接撥款給出口商。(B)墊付國內票款是銀行先墊付客戶銷貨取得的票款,資金同樣由銀行支出。(D)貼現是銀行買入未到期票據、扣除利息後付現,也是銀行自有資金。三者都是直接授信,唯有(C)的資金來自貨幣市場。","medium",[23,26,30,34,38,42],{"id":24,"question":25,"qno":17},"credit_prac-45-002","下列何者不是分析企業經營效能之比率？",{"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？",17,1785146814706]