[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-credit_prac-48-061":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-48-061","48",61,"銀行辦理房屋貸款時，借款人投保火險之受益人應為下列何者？",[13,14,15,16],"借款人","房屋所有權人","銀行","保證人",2,"消費者授信",1,"房屋是房貸的擔保品，一旦被火燒毀，銀行的擔保價值就隨之消失，因此撥貸時會要求借款人投保火險，並在保單附加抵押權特約條款，以 (C) 銀行為受益人，發生保險事故時理賠金優先用來清償貸款，確保債權不因擔保品滅失而落空。(A) 借款人與 (B) 房屋所有權人通常是要保人或被保險人，對建物有保險利益，但若由他們領取理賠金，可能挪作他用，銀行債權就失去保障；(D) 保證人只負代為清償責任，對建物並無保險利益，不能擔任受益人。","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":46},"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？",59,1793070620540]