[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-credit_prac-48-039":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-48-039","48",39,"企業為維持正常營運所需的最低流動資產量，無法以自有資金滿足，需由銀行對其差額所為之融資，稱為下列何項？",[13,14,15,16],"季節性週轉金貸款","臨時性週轉金貸款","經常性（永久性）週轉金貸款","暫時性週轉金貸款",2,"企業授信",1,"企業為維持正常營運，現金、存貨、應收帳款等流動資產必須長期維持在一定水位，這個最低必要量是常態性的資金需求；自有資金不足支應的差額由銀行融資補足，稱為 (C) 經常性（永久性）週轉金貸款，金額相對穩定，性質近似長期資金。(A) 季節性週轉金貸款支應產銷旺季暫時增加的存貨與應收款，淡季即可回收；(B) 臨時性週轉金貸款因突發訂單或一次性支出而生，短期內結清；(D) 暫時性週轉金貸款同樣屬於非常態、短期性的資金需求，都不是維持最低流動資產量的融資。","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？",17,1793070620253]