[{"data":1,"prerenderedAt":45},["ShallowReactive",2],{"q-credit_prac-48-003":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-48-003","48",3,"銀行承辦授信業務，首應把握授信之基本原則，除安全性、流動性、公益性外，尚有下列哪些項目？",[13,14,15,16],"收益性、成長性","收益性、效率性","成長性、效率性","效率性、公平性",0,"基礎授信",1,"銀行授信的基本原則共五項：安全性、流動性、公益性、收益性與成長性，因此除題幹所列三項外，其餘兩項就是 (A) 收益性、成長性。收益性要求利息與手續費收入足以涵蓋資金成本與風險成本，銀行才有盈餘；成長性則著眼於培植有發展潛力的客戶，讓授信業務與客戶一起成長。(B)(C)(D) 中的效率性與公平性雖是一般經營上常提的概念，但不在授信五大原則之列，所以凡是含有效率性或公平性的選項都不正確，唯有 (A) 完整對應五原則。","easy",[23,26,29,33,37,41],{"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":10},"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？",{"id":30,"question":31,"qno":32},"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":34,"question":35,"qno":36},"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":38,"question":39,"qno":40},"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":42,"question":43,"qno":44},"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？",8,1793070619831]