[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-credit_prac-48-054":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-48-054","48",54,"有關辦理出口信用狀融資之敘述，下列何者錯誤？",[13,14,15,16],"不論有無其他擔保品，皆屬擔保放款","以信用狀有效期限為到期日，一般以不超過 180 天為原則","信用狀押匯款應優先清償本貸款","憑辦之信用狀應加蓋「本筆信用狀已於 OO 銀行融資」",0,"外匯授信",1,"信用狀是開狀銀行對受益人的付款承諾，並不是對融資銀行就該筆借款提供的保證，也不是擔保物權；出口商憑信用狀借款，若未另提不動產、存單等擔保品或信用保證，性質上仍屬無擔保放款，所以 (A) 說不論有無其他擔保品皆屬擔保放款是錯誤的。(B) 融資到期日配合信用狀有效期限，一般以不超過 180 天為原則；(C) 出口後押匯款項應優先償還本筆融資，才能確保自償；(D) 在信用狀上加蓋已融資字樣，可防止出口商持同一張信用狀向他行重複借款。","hard",[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？",46,1793070620424]