[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-credit_prac-47-057":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-47-057","47",57,"消費者貸款如係撥入借款人以外之第三者帳戶時，應先取得下列何者之同意書？",[13,14,15,16],"借款人","第三者","貸款銀行","連帶保證人",0,"消費者授信",1,"貸款撥款的對象原則上是借款人本人的帳戶，一旦要撥進第三人帳戶，銀行必須先取得借款人的書面同意，證明這是借款人自己的指示，日後借款人才不能主張款項未實際交付、借貸關係不成立，故應取得 (A) 借款人的同意書。實務上房貸撥給建商或代償他行貸款，都要借款人簽具指定撥款同意書並存查。(B) 第三人只是受款人，他同不同意不影響借貸關係的成立。(C) 貸款銀行本身就是撥款者，談不上向自己取得同意書。(D) 連帶保證人負的是保證責任，撥款方式不需經他同意，也不會因此免責。","easy",[23,27,31,35,38,42],{"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":34},"credit_prac-45-056","有關股票及有價證券貸款，下列敘述何者錯誤？",56,{"id":36,"question":37,"qno":10},"credit_prac-45-057","有關股票貸款維持率之控管，下列何者錯誤？",{"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？",59,1785146814990]