[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-credit_prac-48-064":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-48-064","48",64,"下列何者非屬消費者貸款所稱例外管理？",[13,14,15,16],"貸款成數超過規定","不用考慮信用評分結果","借款人有信用瑕疵","利率超過授權規定",1,"消費者授信","消費者貸款多採標準化、數量化的核貸流程，例外管理是指個案條件不符核貸標準時，並非一律婉拒，而是提高核決層級，由更高權限的主管審酌後決定。(A) 貸款成數超過規定、(C) 借款人有信用瑕疵、(D) 利率超過授權規定，都是偏離標準的情形，正是例外管理的對象。(B) 不用考慮信用評分結果則不屬之：信用評分是消費者貸款核貸的基本依據，例外管理只是改變核決權限，並不代表可以略過評分結果，因此它不是例外管理所指的情形。","medium",[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？",59,1793070620562]