[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-bank_audit_prac-48-066":3},{"exam":4,"examName":5,"chapterSlug":6,"question":7,"related":22},"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":19,"explanation":20,"difficulty":21},"bank_audit_prac-48-066","48",66,"下列何者非屬消費金融項目？",[13,14,15,16],"股票質押貸款","耐久性消費財貸款","貼現","信用卡消費款",2,"消費金融業務查核",1,"消費金融泛指銀行對個人或家庭提供的消費性融資,用途多為滿足生活消費而非生產營運,常見項目包括(B)耐久性消費財貸款如汽車、家電分期,(D)信用卡消費款,以及(A)以股票質押取得的個人週轉貸款等。(C)貼現則是企業將尚未到期的票據或匯票讓與銀行、預扣利息換取現金,屬於企業金融或票據融通的範疇,借款主體是企業、資金用於營運周轉,與個人消費目的截然不同,並非消費金融項目,故答案為(C)。","medium",[23,27,31,35,39,43],{"id":24,"question":25,"qno":26},"bank_audit_prac-47-064","下列何者不是消費金融產品？",64,{"id":28,"question":29,"qno":30},"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":32,"question":33,"qno":34},"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":36,"question":37,"qno":38},"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":40,"question":41,"qno":42},"bank_audit_prac-47-070","有關信用卡帳務作業，下列敘述何者錯誤？",70,{"id":44,"question":45,"qno":46},"bank_audit_prac-47-071","有關消費金融產品之特性，下列敘述何者錯誤？",71,1787293936812]