[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-credit_prac-47-056":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","c4",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":19,"explanation":20,"difficulty":21},"credit_prac-47-056","47",56,"下列何者不是消費者貸款之特性？",[13,14,15,16],"個人（尤其非上班族）徵信不易辦理","消費者貸款必須大量承作，方能顯出成效","依據客戶不同的風險程度及貸款需求，訂定不同的處理程序及差異化的貸放條件","為適當控制授信品質，仍採企業融資精神逐案核貸程序審理消費者貸款案件",3,"消費者授信",1,"消費者貸款的本質是筆數多、單筆金額小，若比照企業融資逐案調查、逐案簽核，人力成本會高到吃掉利差，所以消金採標準化申請書、信用評分與批次審核，只有例外案件才提高核決層級，(D) 把企業授信那一套搬過來，正是消費者貸款不會有的做法。(A) 個人尤其自由業、非上班族沒有財務報表，收入也難查證，徵信確實不易辦理。(B) 單筆利潤薄，必須靠大量承作攤提固定成本並分散風險，才看得出效益。(C) 依客戶風險高低與需求差異，訂出不同的處理程序與貸放條件（利率、成數、期限），正是消金差別化訂價的精神。","easy",[23,27,31,34,38,42],{"id":24,"question":25,"qno":26},"credit_prac-45-031","金融機構辦理消費者貸款需要有良好的行銷策略，一般而言下列何者不屬於行銷策略的 4P 要素？",31,{"id":28,"question":29,"qno":30},"credit_prac-45-055","銀行在辦理中古車的汽車貸款時，對同一中古車的鑑價應採用下列何項金額為宜？",55,{"id":32,"question":33,"qno":10},"credit_prac-45-056","有關股票及有價證券貸款，下列敘述何者錯誤？",{"id":35,"question":36,"qno":37},"credit_prac-45-057","有關股票貸款維持率之控管，下列何者錯誤？",57,{"id":39,"question":40,"qno":41},"credit_prac-45-058","有關汽車貸款之敘述，下列何者錯誤？",58,{"id":43,"question":44,"qno":45},"credit_prac-45-059","房屋貸款辦理最高限額抵押權設定時，一般以借款金額加幾成為設定金額？",59,1785146814982]