[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-credit_prac-48-057":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-48-057","48",57,"A 銀行推出房屋貸款，前 2 年以固定利率計息，第 3 年起以基本放款利率加碼計息，則該項計息方式屬於下列何者？",[13,14,15,16],"固定利率","機動利率","固定／機動組合","議定利率",2,"消費者授信",1,"同一筆貸款前段採固定利率、後段改以基本放款利率加碼浮動計息，前後分別適用不同的計息方式，就是 (C) 固定／機動組合型。銀行常用前段固定利率吸引借款人，讓初期月付金穩定可預期，之後再轉為隨市場利率浮動，把利率變動的風險逐步移回借款人。(A) 固定利率是整個貸款期間利率都不變；(B) 機動利率是從第一期起就隨指標利率調整；(D) 議定利率是由借貸雙方個案議定利率水準，講的是利率如何決定，而非前後段計息方式的組合。","easy",[23,27,31,35,38,42],{"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":30},"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？",55,{"id":32,"question":33,"qno":34},"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":36,"question":37,"qno":10},"credit_prac-45-057","有關股票貸款維持率之控管，下列何者錯誤？",{"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？",59,1793070620470]