[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-credit_prac-48-068":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-48-068","48",68,"「持卡消費後，在一定時間內，若產品有瑕疵，或因不慎損壞，發卡機構將理賠某一成數」，是指信用卡的何種附加價值？",[13,14,15,16],"購物保障","失卡零風險","旅遊意外保險","救援服務",0,"消費者授信",1,"購物保障是信用卡的附加價值之一：持卡人以卡片購買商品後，在一定期間內若商品因瑕疵或意外損壞，發卡機構依約定成數理賠，等於替刷卡購買的商品加上一層保障，故選 (A)。(B) 失卡零風險是持卡人掛失前一定期間內遭冒用的損失由發卡機構負擔，保障的是卡片被盜刷；(C) 旅遊意外保險是持卡人以信用卡支付公共運輸費用或團費時，提供旅途中的意外傷害保障；(D) 救援服務則是道路救援等緊急協助，三者保障的對象都不是所購買的商品。","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？",59,1793070620594]