[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-credit_prac-47-060":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-47-060","47",60,"消費者貸款依據資金成本加預期報酬率及其他管理成本來訂價，是屬於下列何種訂價？",[13,14,15,16],"成本導向","需求導向","競爭導向","消費導向",0,"消費者授信",1,"訂價方式一般分成三種導向：以自身成本為基礎、以客戶需求為基礎、以同業價格為基礎。題目描述的是先算出資金成本，再加上預期報酬率與作業、催收等管理成本後訂出利率，完全是從銀行自己的成本結構往上加碼，屬典型的成本導向訂價，故選 (A)。(B) 需求導向看的是客戶對價格的敏感度與願付水準，客戶越急、替代方案越少就訂得越高。(C) 競爭導向盯的是同業牌告利率，成本反而不是主要考量。(D) 消費導向並非授信訂價的分類用語。三種導向實務上常混用，但只要從成本往上加，答案就是成本導向。","easy",[23,27,31,35,39,43],{"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":38},"credit_prac-45-057","有關股票貸款維持率之控管，下列何者錯誤？",57,{"id":40,"question":41,"qno":42},"credit_prac-45-058","有關汽車貸款之敘述，下列何者錯誤？",58,{"id":44,"question":45,"qno":46},"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？",59,1785146815016]