[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-bank_audit_cf_prac-48-064":3},{"exam":4,"examName":5,"chapterSlug":6,"question":7,"related":22},"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},"bank_audit_cf_prac-48-064","48",64,"銀行對於消費者貸款之風險管理，不包括下列何者？",[13,14,15,16],"申貸案件數量","書面審查","聯徵查詢","帳戶管理",0,"消費金融業務查核",1,"消費者貸款的風險管理涵蓋貸前審核與貸後控管兩段：(B) 書面審查核對申請書件與財力證明、(C) 聯徵查詢掌握既有負債與繳款紀錄，屬貸前把關；(D) 帳戶管理則透過預警報表與定期覆審監控貸後變化。(A) 申貸案件數量只是業務量指標，件數多寡不影響個案風險高低，不屬風險管理範疇，故選 (A)。","easy",[23,27,31,35,39,43],{"id":24,"question":25,"qno":26},"bank_audit_cf_prac-47-046","下列何者不是消費金融產品？",46,{"id":28,"question":29,"qno":30},"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":32,"question":33,"qno":34},"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":36,"question":37,"qno":38},"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":40,"question":41,"qno":42},"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":44,"question":45,"qno":46},"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？",53,1787293941981]