[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-credit_prac-48-038":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-48-038","48",38,"銀行給企業一個融資額度，企業在此額度範圍內向銀行貸款，在約定期限內還款，若有需要時再向銀行貸款，此種借款稱為下列何項？",[13,14,15,16],"分期償還貸款","自償性貸款","循環動用之貸款","購置廠房貸款",2,"企業授信",1,"銀行核給企業一個融資額度，企業在額度內動用、於約定期限內償還，還款後額度恢復，有需要時可再次動用，這種反覆借還的方式就是 (C) 循環動用之貸款，常見於短期週轉金授信，可配合企業營業循環彈性調度資金。(A) 分期償還貸款按約定期數攤還本息，還款後額度不會恢復；(B) 自償性貸款強調以特定交易的價款回收作為還款來源，著重的是還款財源而非動用方式；(D) 購置廠房貸款屬中長期資本支出融資，通常一次或分次撥款後分期攤還，不能循環動用。","easy",[23,26,30,34,38,42],{"id":24,"question":25,"qno":17},"credit_prac-45-002","下列何者不是分析企業經營效能之比率？",{"id":27,"question":28,"qno":29},"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":31,"question":32,"qno":33},"credit_prac-45-010","下列授信項目何者不是交易性融資？",10,{"id":35,"question":36,"qno":37},"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":39,"question":40,"qno":41},"credit_prac-45-016","下列何者非屬企業之速動資產？",16,{"id":43,"question":44,"qno":45},"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？",17,1793070620247]