[{"data":1,"prerenderedAt":48},["ShallowReactive",2],{"q-bank_audit_cf_prac-47-054":3},{"exam":4,"examName":5,"chapterSlug":6,"question":7,"related":23},"bank_audit_cf_prac","銀行內部控制與內部稽核測驗(消費金融)——銀行內部控制與內部稽核","c10",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":19,"explanation":20,"difficulty":21,"canonicalId":22},"bank_audit_cf_prac-47-054","47",54,"下列何者非屬影響消費金融業務之主要因素？",[13,14,15,16],"家庭人口性別","家庭中賺取所得之年齡","景氣循環","利率水準的高低",0,"消費金融業務查核",1,"影響消費金融業務的主要因素包括:家庭中賺取所得者的年齡結構 (B)(不同年齡層借貸需求不同)、景氣循環 (C)(景氣好消費借貸意願高)、利率水準 (D)(影響借款成本)。家庭人口的「性別」與借貸需求、還款能力沒有直接關聯,非主要因素,故 (A) 為正確答案。","easy","bank_audit_prac-47-072",[24,28,32,36,40,44],{"id":25,"question":26,"qno":27},"bank_audit_cf_prac-47-046","下列何者不是消費金融產品？",46,{"id":29,"question":30,"qno":31},"bank_audit_cf_prac-47-047","稽核人員對於消費金融業務之查核，可利用之輔助工具，下列何者較不具相關性？",47,{"id":33,"question":34,"qno":35},"bank_audit_cf_prac-47-049","發卡機構受理信用卡申請時，正卡申請人及附卡申請人年齡至少各須滿幾歲？",49,{"id":37,"question":38,"qno":39},"bank_audit_cf_prac-47-051","依「信用卡業務機構管理辦法」規定，當月應繳最低付款金額超過指定繳款期限一個月至三個月者，發卡機構應提列全部墊款金額多少比率之備抵呆帳？",51,{"id":41,"question":42,"qno":43},"bank_audit_cf_prac-47-052","有關信用卡帳務作業，下列敘述何者錯誤？",52,{"id":45,"question":46,"qno":47},"bank_audit_cf_prac-47-053","有關消費金融產品之特性，下列敘述何者錯誤？",53,1787293940854]