[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-credit_prac-48-053":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","c3",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":19,"explanation":20,"difficulty":21},"credit_prac-48-053","48",53,"有關擔保信用狀（Standby L\u002FC）之敘述，下列何者錯誤？",[13,14,15,16],"可適用 UCP600","可做為直接付款保證","貸款銀行未獲借款人償付本息時，須取得法院之確定判決始可向開狀銀行求償","Stand-by L\u002FC 格式已大致定型化，而保證函尚無一定格式",2,"外匯授信",1,"擔保信用狀的最大優點是求償程序簡便：受益人只要依信用狀條款提示匯票及借款人違約聲明書等約定單據，開狀銀行審核單據相符就必須付款，不必先打官司確認債權。(C) 說須取得法院確定判決才能向開狀銀行求償，正好抹煞了這項功能，故為錯誤敘述。(A) UCP600 明定在可適用範圍內亦適用於擔保信用狀，實務上也常約定適用 ISP98；(B) 擔保信用狀可直接擔保借款本息的償付；(D) 擔保信用狀沿用信用狀架構，格式大致定型，保證函則由各行依個案撰擬，並無一定格式。","medium",[23,27,31,35,39,43],{"id":24,"question":25,"qno":26},"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":28,"question":29,"qno":30},"credit_prac-45-042","下列何者係屬銀行之外匯授信業務？",42,{"id":32,"question":33,"qno":34},"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":36,"question":37,"qno":38},"credit_prac-45-044","下列何者屬於外匯間接授信項目？",44,{"id":40,"question":41,"qno":42},"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":44,"question":45,"qno":46},"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？",46,1793070620419]