[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-credit_prac-48-059":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-48-059","48",59,"下列何種貸款較適宜採個人信用評分作為授信審核依據？",[13,14,15,16],"墊付國內應收款項","購屋貸款","消費者小額信用貸款","房屋修繕貸款",2,"消費者授信",1,"個人信用評分最適合件數多、單筆金額小、沒有擔保品的貸款。(C) 消費者小額信用貸款正是如此：借款人多為上班族，沒有財務報表可分析，也沒有擔保品可追償，逐件人工審查成本太高，以評分模型量化所得、職業、負債及繳款紀錄後快速決定准駁，最能兼顧效率與品質。(A) 墊付國內應收款項的對象是企業，審核重點在交易真實性與票據付款人信用；(B) 購屋貸款與 (D) 房屋修繕貸款有不動產擔保，金額較大、期間較長，除了評分之外更要評估擔保品價值與還款能力。","easy",[23,27,31,35,39,43],{"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":38},"credit_prac-45-057","有關股票貸款維持率之控管，下列何者錯誤？",57,{"id":40,"question":41,"qno":42},"credit_prac-45-058","有關汽車貸款之敘述，下列何者錯誤？",58,{"id":44,"question":45,"qno":10},"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？",1793070620498]