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48.依「信用卡業務機構管理辦法」規定,信用卡業務機構申請增加辦理其他信用卡業務時,其檢具之營業計 畫書應載明事項,下列何者非屬之? (A)辦理業務緣由 (B)現有信用卡業務之市占率 (C)信用卡業務章則及業務流程 (D)市場展望及風險、效益評估

49.有關信用卡逾期帳款之監理指標,係以逾期幾個月以上帳款佔應收帳款餘額(含催收款)之比率為標準? (A)一個月 (B)三個月 (C)六個月 (D)九個月

50.依「信用卡業務機構管理辦法」規定,下列敘述何者錯誤? (A)發卡機構對已核發之信用卡至少每年應定期辦理覆審 (B)信用卡業務機構增加辦理其他信用卡業務,應檢具營業計畫書向主管機關申請,主管機關自申請書送達 之次日起三十日內,未表示反對者,視為已核准 (C)信用卡業務之會計處理準則,由銀行公會報請主管機關核定之 (D)發卡機構信用卡契約條款印製之字體不得小於十二號字

38.Which of the following statements about the principles of a communicative language teaching approach is correct? (A) Fluency and accuracy are both important goals in language learning. (B) Group learning in small or large groups is mainly emphasized. (C) Communication mainly involves spoken language. (D) Learners say things that they want to talk about in their native language.

39.About the Direct Method, which is NOT True? (A) High importance is placed on accuracy in pronunciation from the initial stages. (B) Vocabulary is taught through concrete objects, demonstrations, pantomiming, and pictures, rather than translation. (C) Grammar rules are not taught explicitly. (D) This method came about as a needed replacement for the grammar-translation method in the early 1800s.

40.Which of the following examples is a macro-skill of oral communication? (A) Produce fluent speech at different rates of delivery. (B) Monitor your own oral production and use strategic devices to enhance the clarity of the message. (C) Produce reduced forms of words and phrases. (D) Use cohesive devices in spoken discourse.