[{"data":1,"prerenderedAt":48},["ShallowReactive",2],{"q-bank_audit_cf_prac-48-056":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-48-056","48",56,"金融機構所核給信用卡之信用額度應與申請人申請時之還款能力相當，且核給可動用額度加計申請人於全體金融機構之無擔保債務歸戶後總餘額除以最近一年平均月收入，不宜超過幾倍？",[13,14,15,16],"10","18","20","22",3,"消費金融業務查核",1,"信用卡核給可動用額度加計申請人於全體金融機構無擔保債務歸戶後總餘額，除以最近一年平均月收入，不宜超過 22 倍，即俗稱的 DBR22 規範，故選 (D)。(A)(B)(C) 皆非主管機關規定的倍數。","medium","bank_audit_prac-48-074",[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？",53,1787293941890]