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對具永續性固定收益之土地,以直接資本化法評估其價值,如於第 0 年年初評得其價值為 A、第 5 年年初評得其價值為 B,則兩者關係如何?(A)A>B(B)A=B(C)A<B(D)不一定

45.依主管機關規定,本國銀行國際金融業務分行對單一法人授信總餘額,不得超過總行淨值之多少? (A) 1% (B) 3% (C) 5% (D) 15%

46.依主管機關規定,有關信用卡業務,下列敘述何者錯誤? (A)辦理信用卡循環信用、預借現金為信用卡業務 (B)外國信用卡公司為專營信用卡業務機構 (C)全體發卡機構所核給學生正卡持卡人之歸戶總額度不得逾新臺幣二萬元 (D)信用卡公司應自主管機關許可設立之日起,六個月內辦妥公司設立登記,如有正當理由,得申請延展

47.依主管機關規定,有關信用卡業務之敘述,下列何者錯誤? (A)信用卡墊款暫不納入「放款餘額月報表」填報範圍 (B)信用卡消費款循環信用計息部分,不得以「應收帳款」科目列帳 (C)發卡機構不得於信用卡申請書上附加勾選其他非經客戶同意之卡片 (D)發卡機構主動提高持卡人信用額度,應事先通知信用卡保證人並獲其書面同意

34.Before reading a text, the teacher activates students’ background knowledge by asking them to predict the content based on the title and images. This teaching strategy mainly reflects _____. (A) top-down processing (B) bottom-up processing (C) phonemic awareness (D) grammar translation

35.In Total Physical Response, why does James Asher wait to introduce conversational dialogues until students have completed 120 hours of imperative drills? (A) Everyday conversations are abstract and difficult, so learners must first build comprehension through listening and physical response. (B) Reading and writing should be emphasized before oral communication. (C) Speaking practice is more important than listening in the early stages of learning. (D) Grammar rules must be mastered before learners are exposed to spoken language.