[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-credit_prac-47-064":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-47-064","47",64,"下列何者不屬於消費者貸款之特性？",[13,14,15,16],"每戶貸款金額小件數多","不具自償性","對所有客戶訂定相同的貸放條件","大多屬中長期融資",2,"消費者授信",1,"消費者貸款的客戶背景、收入穩定度與風險程度差異很大，銀行必須依信用評分結果給予不同的利率、成數與期限，好客戶享優惠、風險高者加碼甚至婉拒；若對所有客戶訂定相同貸放條件，等於讓好客戶補貼壞客戶，優質客戶流失、風險客戶聚集，故 (C) 不是消費者貸款的特性。(A) 消金走的是每戶金額小、件數多的量產模式。(B) 用途多為購屋、購車或個人消費，不像企業週轉金有銷貨收入可對應償還，因此不具自償性。(D) 房貸、車貸期限動輒數年到二、三十年，多屬中長期融資。","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？",59,1785146815052]