[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-credit_prac-48-065":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-48-065","48",65,"發卡銀行依持卡人指定的活存帳戶內存款金額核發信用卡，持卡人消費時即於指定帳戶內扣款者，稱為下列何者？",[13,14,15,16],"簽帳卡(Charge Card)","聰明卡(Smart Card)","公司卡(Corporate Card)","轉帳卡(Debit Card)",3,"消費者授信",1,"轉帳卡（Debit Card）與持卡人指定的活期存款帳戶連結，消費時直接從帳戶扣款，可用額度以帳戶存款餘額為限，銀行不需先行墊款，也就沒有授信風險，故選 (D)。(A) 簽帳卡由銀行先墊付消費款，持卡人須於帳單到期時一次全額繳清，不能使用循環信用；(B) 聰明卡指內嵌晶片、可儲存資料或具電子錢包功能的卡片，強調的是卡片技術而非扣款方式；(C) 公司卡是企業為員工申辦、供公務支出使用的卡片，款項依約由公司或員工繳付，兩者都與即時扣存款無關。","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？",59,1793070620567]