[{"data":1,"prerenderedAt":45},["ShallowReactive",2],{"q-credit_prac-48-010":3},{"exam":4,"examName":5,"chapterSlug":6,"question":7,"related":21},"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":17,"explanation":19,"difficulty":20},"credit_prac-48-010","48",10,"依主管機關規定，銀行對同一法人之無擔保授信總餘額，不得超過各該銀行淨值之多少百分比？",[13,14,15,16],"3%","5%","10%","15%",1,"基礎授信","依主管機關所定銀行對同一人、同一關係人或同一關係企業之授信限額規定，對同一法人的授信總餘額不得超過銀行淨值百分之十五，其中無擔保授信總餘額不得超過淨值百分之五，故選 (B)。無擔保授信沒有擔保品作第二道保障，風險較高，所以限額壓得比總額度低得多。對照其他限額：同一自然人授信總餘額以淨值百分之三為限、無擔保百分之一；同一關係人授信總餘額以百分之四十為限、無擔保百分之十。(A) 3% 是同一自然人的總額度比率；(C) 10%、(D) 15% 都高於法定的同一法人無擔保上限。","medium",[22,25,29,33,37,41],{"id":23,"question":24,"qno":17},"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":26,"question":27,"qno":28},"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":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？",8,1793070619908]