[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-credit_prac-47-058":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","c1",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":19,"explanation":20,"difficulty":21},"credit_prac-47-058","47",58,"借款人辦理不動產最高限額抵押權設定，一般以下列何者為設定金額？",[13,14,15,16],"借款金額","借款金額加一成","借款金額加二成","借款金額加五成",2,"基礎授信",1,"最高限額抵押權擔保的不只本金，還包括未收的利息、遲延利息、違約金與實行抵押權的費用，設定金額若只等於借款金額，這些附隨債權就落在擔保範圍外。實務上以借款金額加二成為設定金額，例如借款 500 萬元，500 萬 × 1.2 = 600 萬元，多出的 100 萬元正是預留給利息與費用的緩衝，故 (C) 正確。(A) 只設定借款金額，利息與違約金將求償無門。(B) 加一成通常不足以涵蓋長期房貸累積的遲延利息與違約金。(D) 加五成雖更保險，但設定金額越高，登記規費與相關稅費負擔越重，借款人難以接受。","medium",[23,26,30,34,38,42],{"id":24,"question":25,"qno":19},"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":27,"question":28,"qno":29},"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":31,"question":32,"qno":33},"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":35,"question":36,"qno":37},"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":39,"question":40,"qno":41},"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":43,"question":44,"qno":45},"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？",8,1785146815001]