[{"data":1,"prerenderedAt":45},["ShallowReactive",2],{"q-credit_prac-48-007":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-48-007","48",7,"甲公司向銀行新借短期週轉金貸款額度新臺幣 2 億元，於檢送徵信相關資料時，可無須提供下列何項文件？",[13,14,15,16],"公司章程影本","董監事名冊影本","現金收支預估表","會計師財務報表查核報告",2,"基礎授信",1,"依銀行公會會員徵信準則第十六條,企業短期授信應索取授信戶資料表、登記證件、章程、董監事名冊、最近三年財務報表或會計師查核報告等基本資料;準則所列的現金流量預估表放在中長期授信項下,週轉資金授信總授信金額達新臺幣二億元者才需另加送,短期週轉金不在要求之列,故選 (C)。(A) 章程影本、(B) 董監事名冊影本都是短期授信的基本資料;(D) 依同準則第十八條,企業總授信金額達新臺幣三千萬元以上應徵提會計師財務報表查核報告,二億元額度自應提供。","medium",[23,26,30,34,38,41],{"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":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":10},"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？",{"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？",8,1793070619868]