[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-credit_prac-48-023":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","c2",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":19,"explanation":20,"difficulty":21},"credit_prac-48-023","48",23,"有關銀行辦理保證發行商業本票業務，下列敘述何者錯誤？",[13,14,15,16],"每張面額以新臺幣 1 萬元或 1 萬元之倍數為單位","每筆最長保證期限不得超過 1 年","保證費由銀行與客戶議定","申請人須為依法登記之公、民營企業",0,"企業授信",1,"銀行保證發行的商業本票是貨幣市場工具，發行面額以新臺幣十萬元為單位或其倍數，而不是一萬元，故 (A) 錯誤。(B) 商業本票屬短期票券，每筆保證期限自發行日起算最長不超過一年，正確；(C) 保證費率依客戶信用狀況與市場資金情形，由銀行與客戶議定，正確；(D) 申請人須為依法登記的公、民營企業，因為發行商業本票是企業向貨幣市場籌措短期資金的方式，正確。銀行在本票上以保證人身分簽章，保證效力隨票據流通，投資人才願意以較低利率承購。","hard",[23,27,31,35,39,43],{"id":24,"question":25,"qno":26},"credit_prac-45-002","下列何者不是分析企業經營效能之比率？",2,{"id":28,"question":29,"qno":30},"credit_prac-45-005","企業短期償債能力的大小，可由下列何者加以測定？",5,{"id":32,"question":33,"qno":34},"credit_prac-45-010","下列授信項目何者不是交易性融資？",10,{"id":36,"question":37,"qno":38},"credit_prac-45-014","依中小企業信用保證基金規定，間接送保案件應於該基金保證書所載有效期限內核准並動用首筆授信，必要時得申請延長多久？",14,{"id":40,"question":41,"qno":42},"credit_prac-45-016","下列何者非屬企業之速動資產？",16,{"id":44,"question":45,"qno":46},"credit_prac-45-017","銀行辦理墊付國內票款業務所徵提之統一發票，應於下列何聯加蓋「已在 XX 行庫辦理融資」文義之戳記？",17,1793070620055]