[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-credit_prac-48-060":3},{"exam":4,"examName":5,"chapterSlug":6,"question":7,"related":21},"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":17,"explanation":19,"difficulty":20},"credit_prac-48-060","48",60,"消費者貸款包括項目有房屋修繕貸款、汽車貸款、個人小額貸款及下列何項？",[13,14,15,16],"企業建築融資","個人購置房屋貸款","墊付國內票款","購置廠房貸款",1,"消費者授信","消費者貸款是銀行對自然人提供、用於個人或家庭消費性支出的融資，常見的有房屋修繕貸款、汽車貸款、個人小額信用貸款，以及 (B) 個人購置房屋貸款，後者金額最大、期間最長，是消費者貸款的主力產品。(A) 企業建築融資是對建商興建房屋的融資，借款人是企業；(C) 墊付國內票款是以企業交易產生的應收票據為還款來源的短期週轉融資；(D) 購置廠房貸款用於企業的生產設施，屬資本支出融資，三者都是企業授信，不屬於消費者貸款。","easy",[22,26,30,34,38,42],{"id":23,"question":24,"qno":25},"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":27,"question":28,"qno":29},"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":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？",59,1793070620515]