[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-credit_prac-47-067":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-47-067","47",67,"有關學生申請信用卡之相關作業，下列何者正確？",[13,14,15,16],"未滿 18 歲之學生，經法定代理人同意後即得申請信用卡正卡","銀行不得對學生核發三張以上的信用卡及現金卡，惟學生家長同意則不受限","申請書填載學生身分、年滿 18 歲之信用卡申請人，經確認具有獨立穩定之經濟來源且具還款能力者，各發卡機構毋須函知持卡人之父母","每家發卡機構信用額度不得超過新臺幣 2 萬元",3,"消費者授信",1,"為避免學生族群過度使用信用卡，主管機關對學生卡設有雙重上限：以三家發卡機構為限，且每家發卡機構的信用額度不得超過新臺幣二萬元，故 (D) 正確。(A) 正卡持卡人必須具備完全行為能力，未成年學生縱使取得法定代理人同意，也只能當附卡持卡人，不能單獨申請正卡。(B) 三家的張數上限是主管機關的管制規定，用意在防止學生跨行舉債，並非家長點頭就能放寬。(C) 恰好相反，發卡機構受理申請書上填載學生身分者，應將發卡情形函知其父母，讓家長知悉並發揮監督功能，不因申請人自稱有經濟來源而免除。","hard",[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？",59,1785146815070]