[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-credit_prac-48-055":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","c4",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":19,"explanation":20,"difficulty":21},"credit_prac-48-055","48",55,"有關「信用評分」，下列敘述何者錯誤？",[13,14,15,16],"將信用相關因素予以量化","資料必須正確且充分","利用統計方法進行分析","理論上損失率與信用評分成正比",3,"消費者授信",1,"信用評分是把年齡、職業、所得、負債與繳款紀錄等與信用相關的因素量化，再用統計方法分析各因素與違約機率的關係，得出代表風險高低的分數。分數越高代表信用越好、違約機率越低，損失率會隨評分升高而下降，兩者呈反向關係，故 (D) 說成正比是錯誤敘述。(A) 量化信用因素正是信用評分的起點；(B) 模型品質取決於輸入資料，資料錯誤或不充分，評分就會失真；(C) 以統計方法建立模型，並以實際違約資料回頭校正，是信用評分的核心方法。","easy",[23,27,30,34,38,42],{"id":24,"question":25,"qno":26},"credit_prac-45-031","金融機構辦理消費者貸款需要有良好的行銷策略，一般而言下列何者不屬於行銷策略的 4P 要素？",31,{"id":28,"question":29,"qno":10},"credit_prac-45-055","銀行在辦理中古車的汽車貸款時，對同一中古車的鑑價應採用下列何項金額為宜？",{"id":31,"question":32,"qno":33},"credit_prac-45-056","有關股票及有價證券貸款，下列敘述何者錯誤？",56,{"id":35,"question":36,"qno":37},"credit_prac-45-057","有關股票貸款維持率之控管，下列何者錯誤？",57,{"id":39,"question":40,"qno":41},"credit_prac-45-058","有關汽車貸款之敘述，下列何者錯誤？",58,{"id":43,"question":44,"qno":45},"credit_prac-45-059","房屋貸款辦理最高限額抵押權設定時，一般以借款金額加幾成為設定金額？",59,1793070620454]