[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-credit_prac-47-068":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-47-068","47",68,"消費者貸款，一般採用數量化核貸程序，若有不符合核貸標準規定者，如：貸款成數超過規定、借款人信用有瑕疵等，往往提高核決層級，此程序稱為下列何者？",[13,14,15,16],"風險訂價","信用評分","例外管理","信用循環",2,"消費者授信",1,"消費者貸款走的是標準化、數量化的核貸流程，多數案件由信用評分模型與制式條件直接判定；當個案出現貸款成數超過規定、借款人信用有瑕疵等不符標準的情形時，並非一律否准，而是拉高核決層級交由更資深的主管權衡後決定，這種替例外個案另設處理路徑的機制稱為例外管理，故選 (C)。(A) 風險訂價是依風險高低給不同利率，處理的是價格而非核決權限。(B) 信用評分是把申請人特徵量化成分數的評估工具，屬核貸的前端輸入。(D) 信用循環並非核貸程序的用語，與提高核決層級無關。","medium",[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？",59,1785146815082]