[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-credit_prac-48-047":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","c3",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":17,"explanation":19,"difficulty":20},"credit_prac-48-047","48",47,"國內進口商向銀行申請開發信用狀，以購買國外原物料，且到單後銀行給予該進口商適當之融資期間，此種信用狀俗稱為下列何項？",[13,14,15,16],"即期信用狀","買方遠期信用狀","賣方遠期信用狀","擔保信用狀",1,"外匯授信","買方遠期信用狀（Buyer's Usance）的特色是出口商可以即期取得貨款，融資期間與利息都由進口商負擔：單據到達後由銀行先行付款，再給予進口商一段期間後才償還，實務上多以購料放款科目承作，故選 (B)。(A) 即期信用狀單到即須付款，進口商沒有融資期間；(C) 賣方遠期信用狀雖然也是遠期付款，但融資是出口商給的，利息隱含在貨價裡，開狀行只承兌匯票、到期才付款，並未提供資金融通；(D) 擔保信用狀屬保證用途，不是用來購買貨物的付款工具。","easy",[22,26,30,34,38,42],{"id":23,"question":24,"qno":25},"credit_prac-45-041","「外匯短缺而對外債之支付或匯款限制、禁止」屬下列何種風險？",41,{"id":27,"question":28,"qno":29},"credit_prac-45-042","下列何者係屬銀行之外匯授信業務？",42,{"id":31,"question":32,"qno":33},"credit_prac-45-043","銀行在辦理開發進口信用狀，向客戶收取保險單時，下列何者有瑕疵？",43,{"id":35,"question":36,"qno":37},"credit_prac-45-044","下列何者屬於外匯間接授信項目？",44,{"id":39,"question":40,"qno":41},"credit_prac-45-045","出口商得以下列何種交易方式項下之匯票及單據，向銀行申請承作 FORFAITING 業務？",45,{"id":43,"question":44,"qno":45},"credit_prac-45-046","Import Factor 買入出口商對進口商之應收帳款債權，所承擔之風險不包括下列何項？",46,1793070620375]