[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-credit_prac-48-012":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-48-012","48",12,"有關各種銀行辦理授信業務的限制，下列敘述何者正確？",[13,14,15,16],"商業銀行不得發行次順位金融債券","外國銀行在臺分行不受銀行法對利害關係人授信之限制","工業銀行、輸出入銀行及中小企業銀行均屬銀行法所稱專業銀行","商業銀行所辦理之中期放款經轉列催收款後仍需計入銀行法第 72 條所稱之中期放款總餘額內",2,"基礎授信",1,"銀行法第八十八條將專業信用分為工業、農業、輸出入、中小企業、不動產及地方性信用,第九十一條、第九十四條、第九十六條再分別規定供給工業、輸出入、中小企業信用之專業銀行為工業銀行、輸出入銀行、中小企業銀行,故 (C) 正確。(A) 錯,第七十二條之一明定商業銀行得發行金融債券,並得約定持有人受償順序次於銀行其他債權人。(B) 錯,第一百二十三條規定外國銀行準用第一章至第三章及第六章,利害關係人授信限制位於第一章,同樣適用。(D) 錯,中期放款轉列催收款後已改列催收款科目,不再計入第七十二條的中期放款總餘額。","hard",[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？",8,1793070619919]