[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-credit_prac-48-005":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-48-005","48",5,"銀行對同一關係人之授信總餘額，不得超過銀行淨值之百分之四十，所稱同一關係人不包括下列何者？",[13,14,15,16],"本人、配偶","以本人為負責人之企業","三親等血親","以本人之配偶為負責人之企業",2,"基礎授信",1,"銀行法第三十三條之三第二項明定，同一關係人包括本人、配偶、二親等以內之血親，及以本人或配偶為負責人之企業。血親範圍只到二親等，例如父母、子女、祖父母、孫子女與兄弟姊妹；伯叔、姑舅、姪甥等三親等血親不在範圍內，故 (C) 不包括在同一關係人之中。(A) 本人與配偶是同一關係人的核心；(B) 以本人為負責人之企業與 (D) 以本人之配偶為負責人之企業，都是條文明列的對象。依授權辦法，對同一關係人的授信總餘額以淨值百分之四十為限，其中無擔保授信另以百分之十為限。","medium",[23,26,30,34,38,42],{"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":29},"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？",3,{"id":31,"question":32,"qno":33},"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":35,"question":36,"qno":37},"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":39,"question":40,"qno":41},"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":43,"question":44,"qno":45},"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？",8,1793070619847]