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• 58.銀行在辦理消費金融信用評估時，下列何者係屬對申貸者所得來源、所得水準及持續性負債多寡，以及申貸金額所作之綜合考慮？(A)穩定性 (B)信用紀錄 (C)償債能力 (D)還款意願
• 22. That man ______ is Mr. Jackson.(A) in the dark blue shirt (B) with the blue dark shirt(C) with a
• In 2017 and 2018, terrible wildfires (31) California. The company PG&E provides gas and electric
• 20. Several companies have ______ workers during the weak economy.(A) put off (B) called off (C) sen
• 24. The director had the last ______ on his critics when his movie took the top spot.(A) breath (B)
• 59.下列何者可作為評估借款人還款意願的良好指標？(A)服務單位的穩定程度 (B)服務年資及職位 (C)過去的還款紀錄 (D)持續性所得淨額
• 【題組】27. (A) applies to (B) adheres to (C) adds to (D) attributes to
• 【題組】28. (A) discourages (B) discharges (C) dismisses (D) disseminates
• 60.有關消費金融業務中「信用風險」之查核重點，下列敘述何者錯誤？(A)是否定期辦理市場調查，以確認目標市場之風險(B)是否定期透過 MIS 修訂授信準則、信用評分系統(C)是否設立「待補事項登記簿」
• 【題組】29. (A) is (B) were (C) to be (D) has been
• 【題組】30. (A) that (B) in that (C) which (D) in which
• 61.依「信用卡業務機構管理辦法」規定，信用卡當期應繳最低付款金額超過指定繳款期限三個月至六個月者，發卡機構應至少提列全部墊款金額之多少為備抵呆帳？(A)百分之二 (B)百分之十 (C)百分之五十 (
• 63.有關信用卡授權控管作業，下列敘述何者錯誤？(A)應加強人員熟悉錄音系統操作技巧 (B)錄音系統應列入每日檢查項目(C)授權單位應電話錄音紀錄所有授權交易情況 (D)風險管理人員應抽樣核對持卡人限
• 64.有關無人在家之訪催要領，下列敘述何者錯誤？(A)請大樓管理員轉告並留下名片 (B)徵詢當地鄰長瞭解客戶居住狀況(C)留下強烈嘲諷語氣之字條，並拍照存證 (D)觀察信箱內物品是否已無人居住
• 65.有關金融機構對逾期放款訪催時應注意之事項，下列敘述何者錯誤？(A)客戶情緒失控時，應設法離開 (B)客戶家庭發生紛爭時，可藉機充當和事佬(C)客戶家中有聚會時，應避免拜訪 (D)客戶家中若遇有婚
• 【題組】32. (A) has had (B) has been had (C) had had (D) had been had
• 【題組】33. (A) responsible (B) credible (C) eligible (D) invisible
• 【題組】37. What can be inferred from paragraph 2?(A) Organic farmers do not use chemicals.(B) Fruits an
• 四、閱讀測驗　　These days, food safety has become a big issue and a major public concern. People are worrie
• 66.下列何者非屬消費金融業務之產品（信用）循環(Credit Cycle)？(A)風險控制 (B)專業訓練 (C)績效評估 (D)行銷策略
• 【題組】38. Which of the following statements regarding organic food is correct?(A) Organic food can be
• 67.有關消費金融業務之帳戶管理，下列敘述何者正確？(A)原則上應於代償次二營業日取得清償證明 (B)對於不熟悉之客戶，應至銀行營業廳或會議室對保(C)如為擔保放款，其擔保物之抵押或質押手續應辦理完妥
• 【題組】34. (A) attendant (B) audience (C) attorney (D) astronaut
• 【題組】39. The word “opponents” in paragraph 3 refers to _____.(A) people who approve of a certain beha
• 【題組】40. What does the article say about organic farms?(A) Animals are usually kept in large cages.(B