[{"data":1,"prerenderedAt":45},["ShallowReactive",2],{"q-bank_audit_prac-48-064":3},{"exam":4,"examName":5,"chapterSlug":6,"question":7,"related":21},"bank_audit_prac","銀行內部控制與內部稽核測驗(一般金融)——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":17,"explanation":19,"difficulty":20},"bank_audit_prac-48-064","48",64,"目前依規定發卡機構委託便利商店業代收消費帳款，每筆帳單代收金額上限為新臺幣幾萬元？",[13,14,15,16],"一萬元","二萬元","四萬元","五萬元",1,"消費金融業務查核","發卡機構為便利持卡人繳款，得委託便利商店代收信用卡消費帳款，但為控管代收現金風險與作業安全，每筆帳單代收金額訂有上限，現行規定為新臺幣二萬元，故答案為（B）。金額若過高將使超商累積過多現金、增加保管與運送風險，也不利消費爭議處理。（A）一萬元低於現行上限，（C）四萬元、（D）五萬元則高於規定，均非正確門檻。查核重點在確認超商代收作業有落實單筆金額上限控管，超過上限者應引導持卡人改以其他管道繳款，避免違反委外代收規範。","medium",[22,25,29,33,37,41],{"id":23,"question":24,"qno":10},"bank_audit_prac-47-064","下列何者不是消費金融產品？",{"id":26,"question":27,"qno":28},"bank_audit_prac-47-065","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？",65,{"id":30,"question":31,"qno":32},"bank_audit_prac-47-067","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？",67,{"id":34,"question":35,"qno":36},"bank_audit_prac-47-069","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？",69,{"id":38,"question":39,"qno":40},"bank_audit_prac-47-070","有關信用卡帳務作業，下列敘述何者錯誤？",70,{"id":42,"question":43,"qno":44},"bank_audit_prac-47-071","有關消費金融產品之特性，下列敘述何者錯誤？",71,1787293936802]