[{"data":1,"prerenderedAt":285},["ShallowReactive",2],{"chapter-credit_adv_law-c1":3},{"examName":4,"chapter":5,"questions":10},"進階授信人員專業能力測驗——授信法規",{"name":6,"sort":7,"count":8,"slug":9},"授信基本法律",1,80,"c1",[11,15,19,23,27,31,35,39,43,47,51,55,59,63,67,71,75,79,83,87,91,95,99,103,107,111,115,117,120,123,126,130,133,136,139,142,145,148,151,154,157,160,163,166,169,173,176,180,184,188,192,195,199,203,206,209,212,215,218,221,224,227,230,233,236,239,242,245,248,251,254,257,260,263,266,270,273,276,279,282],{"id":12,"qno":7,"question":13,"session":14},"credit_adv_law-23-001","有關銀行法第三十條反面承諾，下列敘述何者錯誤？","23",{"id":16,"qno":17,"question":18,"session":14},"credit_adv_law-23-002",2,"銀行辦理消費性放款，下列敘述何者正確？",{"id":20,"qno":21,"question":22,"session":14},"credit_adv_law-23-003",3,"依銀行法規定，下列敘述何者錯誤？",{"id":24,"qno":25,"question":26,"session":14},"credit_adv_law-23-004",4,"下列何者非屬甲金融控股公司之子公司？",{"id":28,"qno":29,"question":30,"session":14},"credit_adv_law-23-005",5,"乙銀行為甲金融控股公司之銀行子公司，丙公司為甲金融控股公司之關係企業。依金融控股公司法規定，乙銀行購買丙公司所發行之有價證券，其交易金額不得超過多少？",{"id":32,"qno":33,"question":34,"session":14},"credit_adv_law-23-006",6,"同一業別金融機構合併時，因合併而有逾越法令規定範圍者，主管機關應命其限期調整；若逾越一般法令之調整期限及逾越銀行法令有關關係人授信或同一人、同一關係人或同一關係企業授信規定者之調整期限，分別為多久？",{"id":36,"qno":37,"question":38,"session":14},"credit_adv_law-23-008",8,"依民法規定，承攬人報酬請求權之消滅時效為幾年？",{"id":40,"qno":41,"question":42,"session":14},"credit_adv_law-23-009",9,"依民法規定，遺產繼承人，除配偶外，其順序如何定之？ A.祖父母 B.父母 C.兄弟姊妹 D.直系血親卑親屬",{"id":44,"qno":45,"question":46,"session":14},"credit_adv_law-23-010",10,"有關抵銷之敘述，下列何者錯誤？",{"id":48,"qno":49,"question":50,"session":14},"credit_adv_law-23-011",11,"借款人逾期還款，銀行以確定之支付命令向法院聲請拍賣不動產抵押物，查封時發現借款人已將該不動產出租，下列敘述何者正確？",{"id":52,"qno":53,"question":54,"session":14},"credit_adv_law-23-012",12,"依公司法公司重整相關之規定，下列敘述何者錯誤？",{"id":56,"qno":57,"question":58,"session":14},"credit_adv_law-23-013",13,"下列何者非屬公司法所稱公司？",{"id":60,"qno":61,"question":62,"session":14},"credit_adv_law-23-014",14,"依票據法規定，見票即付之本票，對發票人之票據上之權利的時效期間，係自何日起算三年？",{"id":64,"qno":65,"question":66,"session":14},"credit_adv_law-23-015",15,"發票地在高雄市，付款地在台中市之支票，依票據法規定，執票人應於發票日後多久期限內為付款之提示？",{"id":68,"qno":69,"question":70,"session":14},"credit_adv_law-23-016",16,"有關保付支票，下列敘述何者錯誤？",{"id":72,"qno":73,"question":74,"session":14},"credit_adv_law-23-017",17,"下列何者不是民事訴訟法所規定之判決書應記載事項？",{"id":76,"qno":77,"question":78,"session":14},"credit_adv_law-23-018",18,"債務人甲公司主事務所設於新店區，連帶保證人乙之住所地在台中市，連帶保證人丙之住所地在台南市，如對同一債權依督促程序發支付命令，管轄法院為何？",{"id":80,"qno":81,"question":82,"session":14},"credit_adv_law-23-019",19,"A 銀行聲請執行其債務人 B 在 C 銀行之存款，執行法院對 C 銀行發扣押命令，該命令何時生效？",{"id":84,"qno":85,"question":86,"session":14},"credit_adv_law-23-020",20,"清償提存物自提存之翌日起逾多少年未聲請返還者，屬國庫所有？",{"id":88,"qno":89,"question":90,"session":14},"credit_adv_law-23-021",21,"依公平交易法規定，「聯合行為」為原則禁止、例外許可。下列何者不屬於公平交易法規定例外許可之聯合行為態樣？",{"id":92,"qno":93,"question":94,"session":14},"credit_adv_law-23-026",26,"銀行法第十二條第四款所稱銀行之保證，包括經主管機關認可之其他國外金融機構之保證，該國外金融機構，若已在我國設立分行之外國銀行總（分）行者，依主管機關函釋，其最近一年總資產或資本在世界之排名，須在幾名以內？",{"id":96,"qno":97,"question":98,"session":14},"credit_adv_law-23-041",41,"【案例】請回答下列消費者權益保護之相關問題：\n依消費者保護法規定，有關定型化契約之規範，下列何者正確？",{"id":100,"qno":101,"question":102,"session":14},"credit_adv_law-23-042",42,"【案例】請回答下列消費者權益保護之相關問題：\n有關金融消費者保護法之敘述，下列何者錯誤？",{"id":104,"qno":105,"question":106,"session":14},"credit_adv_law-23-043",43,"【案例】請回答下列消費者權益保護之相關問題：\n金融消費者保護法之主管機關為下列何者？",{"id":108,"qno":109,"question":110,"session":14},"credit_adv_law-23-047",47,"【案例】A 公司向 B 銀行貸款，逾期未繳本息，B 銀行依規定扣除預估可收回部分後將該逾期放款轉銷為呆帳。請回答下列問題：\n依銀行法第 48 條第 2 項第 2 款規定，對同一客戶逾期債權已轉銷呆帳者，累計轉銷呆帳金額超過新臺幣多少元，或貸放後半年內發生逾期累計轉銷呆帳金額達新臺幣多少元以上，其轉銷呆帳資料，銀行不負保密義務？",{"id":112,"qno":17,"question":113,"session":114},"credit_adv_law-24-002","有關金融債券之敘述，下列何者錯誤？","24",{"id":116,"qno":21,"question":22,"session":114},"credit_adv_law-24-003",{"id":118,"qno":25,"question":119,"session":114},"credit_adv_law-24-004","下列何者非屬金融控股公司法用詞所稱之子公司？",{"id":121,"qno":29,"question":122,"session":114},"credit_adv_law-24-005","金融控股公司法所稱之大股東，係指持有金融控股公司或其子公司已發行有表決權股份總數或資本總額多少以上者？",{"id":124,"qno":33,"question":125,"session":114},"credit_adv_law-24-006","依金融機構合併法規定，同一業別之金融機構，因合併而有逾越銀行法令有關關係人授信之規定時，經主管機關命其限期調整者，如於調整期限屆滿仍無法完成調整而有申請延長之必要時，得申請延長之次數及期限為何？",{"id":127,"qno":128,"question":129,"session":114},"credit_adv_law-24-007",7,"以收購金融機構不良債權為目的之資產管理公司，其處理金融機構不良債權之方式，下列敘述何者錯誤？",{"id":131,"qno":37,"question":132,"session":114},"credit_adv_law-24-008","李四向銀行申貸五百萬元，由張三擔任保證人，因李四屆期無力清償，銀行未獲張三同意即與李四達成協議，同意李四分二年清償三百萬元，即解除李四債務，則張三應負之保證責任金額為多少？",{"id":134,"qno":41,"question":135,"session":114},"credit_adv_law-24-009","依民法有關債權讓與之規定，下列敘述何者錯誤？",{"id":137,"qno":45,"question":138,"session":114},"credit_adv_law-24-010","依民法規定，未經公證之不動產租賃契約，其租期多久即不適用「買賣不破租賃」原則？",{"id":140,"qno":49,"question":141,"session":114},"credit_adv_law-24-011","依民法有關消費借貸之規定，下列敘述何者錯誤？",{"id":143,"qno":53,"question":144,"session":114},"credit_adv_law-24-012","公司法有關無擔保公司債之規定，下列敘述何者正確？",{"id":146,"qno":57,"question":147,"session":114},"credit_adv_law-24-013","依公司法規定，下列敘述何者錯誤？",{"id":149,"qno":61,"question":150,"session":114},"credit_adv_law-24-014","依票據法有關保付支票之規定，下列敘述何者正確？",{"id":152,"qno":65,"question":153,"session":114},"credit_adv_law-24-015","某甲於 113 年 3 月 1 日簽發同年 5 月 31 日之支票乙紙，經某乙背書後交付Ａ公司，嗣某甲於同年 4 月 1 日死亡，Ａ公司屆期提示亦不獲兌現，請問某乙應否負票據責任？",{"id":155,"qno":69,"question":156,"session":114},"credit_adv_law-24-016","甲為發票人，乙為受款人，乙背書於丙，丙背書於丁，丁又背書於戊，戊故意將丙之背書塗銷後，再背書於己，己復背書於庚，現庚為執票人，則依票據法規定，下列何者應負票據責任？",{"id":158,"qno":73,"question":159,"session":114},"credit_adv_law-24-017","依民事訴訟法規定，有關訴訟上和解成立者，當事人得聲請退還裁判費之規定，下列敘述何者正確？",{"id":161,"qno":77,"question":162,"session":114},"credit_adv_law-24-018","依強制執行法規定，拍賣之不動產，買受人自何時起取得該不動產所有權？",{"id":164,"qno":81,"question":165,"session":114},"credit_adv_law-24-019","依強制執行法規定，債權人或債務人對於分配表所載各債權人之分配金額有不同意者，應如何處理？",{"id":167,"qno":89,"question":168,"session":114},"credit_adv_law-24-021","有關刑法上「圖利罪」之敘述，下列何者正確？",{"id":170,"qno":171,"question":172,"session":114},"credit_adv_law-24-025",25,"銀行辦理存摺存款設質，應符合民法權利質權設定要件之相關規定，該要件不包括下列何者？",{"id":174,"qno":93,"question":175,"session":114},"credit_adv_law-24-026","依銀行法及相關函令規定，有關銀行辦理自用住宅貸款，下列敘述何者正確？",{"id":177,"qno":178,"question":179,"session":114},"credit_adv_law-24-027",27,"依主管機關規定，銀行對同一人或同一關係人之授信限額規定，下列何者仍須計入？",{"id":181,"qno":182,"question":183,"session":114},"credit_adv_law-24-029",29,"對於不計入銀行法第三十三條之三規定之「授信限額及授信總餘額」之授信種類，下列何者非屬之？",{"id":185,"qno":186,"question":187,"session":114},"credit_adv_law-24-045",45,"【案例】在銀行實務上，擔保放款大多於擔保物上設定最高限額抵押權，有關最高限額抵押權規定，請回答下列問題：\n依民法規定，最高限額抵押權所擔保之債權以下列何者為限？ A.由一定法律關係所生之債權 B.由不特定法律關係所生之債權 C.基於票據所生之權利",{"id":189,"qno":190,"question":191,"session":114},"credit_adv_law-24-046",46,"【案例】在銀行實務上，擔保放款大多於擔保物上設定最高限額抵押權，有關最高限額抵押權規定，請回答下列問題：\n下列何者不是民法明文規定之最高限額抵押權確定事由？",{"id":193,"qno":109,"question":194,"session":114},"credit_adv_law-24-047","【案例】銀行之授信案有時須審酌借款人之償還能力，於授信條件要求提供保證人，但對於自用住宅放款及消費性放款，依銀行法規定，不得要求提供連帶保證人，惟未取得足額擔保者，仍得徵取一般保證人，且保證契約自成立之日起，有效期間不得逾十五年(屬於定期保證)。請回答下列相關問題：\n有關連帶保證人與一般保證人之責任，下列敘述何者正確？",{"id":196,"qno":197,"question":198,"session":114},"credit_adv_law-24-048",48,"【案例】銀行之授信案有時須審酌借款人之償還能力，於授信條件要求提供保證人，但對於自用住宅放款及消費性放款，依銀行法規定，不得要求提供連帶保證人，惟未取得足額擔保者，仍得徵取一般保證人，且保證契約自成立之日起，有效期間不得逾十五年(屬於定期保證)。請回答下列相關問題：\n有關定期保證之效力，下列敘述何者正確？",{"id":200,"qno":7,"question":201,"session":202},"credit_adv_law-25-001","依銀行法規定，下列何者不屬於銀行辦理之授信業務？","25",{"id":204,"qno":17,"question":205,"session":202},"credit_adv_law-25-002","依銀行法有關銀行利率之規定，下列敘述何者錯誤？",{"id":207,"qno":21,"question":208,"session":202},"credit_adv_law-25-003","A 銀行對甲公司辦理發行商業本票保證，期限為一年，由該公司董事長以個人身分擔任保證人，此業務屬於下列何種授信？",{"id":210,"qno":25,"question":211,"session":202},"credit_adv_law-25-004","依金融控股公司法之規定，下列何者對於 A 銀行無控制性持股？",{"id":213,"qno":29,"question":214,"session":202},"credit_adv_law-25-005","依金融控股公司法用詞定義，下列敘述何者錯誤？",{"id":216,"qno":33,"question":217,"session":202},"credit_adv_law-25-006","甲金融機構與乙金融機構依金融機構合併法合併，另成立丙金融機構，下列敘述何者錯誤？",{"id":219,"qno":128,"question":220,"session":202},"credit_adv_law-25-007","金融機構經主管機關許可合併者，因合併出售不良債權所受之損失，於申報所得稅時，得於幾年內認列損失？",{"id":222,"qno":37,"question":223,"session":202},"credit_adv_law-25-008","下列何種權利不得為抵押權之標的物？",{"id":225,"qno":41,"question":226,"session":202},"credit_adv_law-25-009","依民法規定，第三人與債權人訂立契約承擔債務人之債務者，下列敘述何者正確？",{"id":228,"qno":45,"question":229,"session":202},"credit_adv_law-25-010","依民法有關保證之規定，下列敘述何者錯誤？",{"id":231,"qno":49,"question":232,"session":202},"credit_adv_law-25-011","依民法規定，下列敘述何者正確？",{"id":234,"qno":53,"question":235,"session":202},"credit_adv_law-25-012","依公司法規定，兩家公司之執行業務股東或董事如有多少比例以上相同者，則推定此兩家公司為有控制與從屬關係？",{"id":237,"qno":57,"question":238,"session":202},"credit_adv_law-25-013","依公司法之規定，下列何種事項不須經股東會之特別決議？",{"id":240,"qno":61,"question":241,"session":202},"credit_adv_law-25-014","依票據法有關票據金額支付利息之規定，下列敘述何者錯誤？",{"id":243,"qno":65,"question":244,"session":202},"credit_adv_law-25-015","甲簽發發票日為 113 年 10 月 20 日之支票壹紙向乙買貨（發票地與付款地均在台北市），乙取得該支票後旋即背書轉讓予丙，嗣後甲於票載發票日將屆前五日以籌款不及為理由，請求丙允許延長一個月付款，丙於 113 年11 月 20 日提示，遭付款行以存款不足理由退票，丙可向下列何人行使追索權？",{"id":246,"qno":69,"question":247,"session":202},"credit_adv_law-25-016","甲向乙購貨並將其執有他人簽發之票據背書，交付乙以抵償貨款。甲於背書時，附記乙交貨後，始願負背書責任，如乙未交貨，下列敘述何者正確？",{"id":249,"qno":73,"question":250,"session":202},"credit_adv_law-25-017","銀行提起民事訴訟，在程序中，常聲請公示送達，下列何種情形不得聲請公示送達？",{"id":252,"qno":77,"question":253,"session":202},"credit_adv_law-25-018","債權人聲請強制執行，而陳明債務人現無財產可供執行者，則：",{"id":255,"qno":81,"question":256,"session":202},"credit_adv_law-25-019","執行法院命債權人向其委託之鑑定人繳費辦理執行標的物之鑑定估價，如債權人未依限辦理，以致執行程序不能進行時，下列敘述何者正確？",{"id":258,"qno":85,"question":259,"session":202},"credit_adv_law-25-020","依破產法規定，有關和解或破產之程序，除本法有規定外，準用下列何者之規定？",{"id":261,"qno":89,"question":262,"session":202},"credit_adv_law-25-021","我國刑法對於犯罪責任要件之規定，下列敘述何者正確？",{"id":264,"qno":178,"question":265,"session":202},"credit_adv_law-25-027","張三以自己名義購買房屋一幢，向銀行申請自用住宅貸款，下列敘述何者正確？",{"id":267,"qno":268,"question":269,"session":202},"credit_adv_law-25-032",32,"下列何者不是銀行法第十二條所稱擔保授信之擔保？",{"id":271,"qno":97,"question":272,"session":202},"credit_adv_law-25-041","【案例】小明向甲銀行申請購屋貸款新臺幣 500 萬元，並將該屋設定最高限額抵押權新臺幣 600 萬元予甲銀行，依民法規定，請回答下列相關問題：\n請問除了貸款本金外，下列何種債權亦包含在上述最高限額抵押權之擔保範圍內？ A.利息 B.遲延利息 C.違約金",{"id":274,"qno":101,"question":275,"session":202},"credit_adv_law-25-042","【案例】小明向甲銀行申請購屋貸款新臺幣 500 萬元，並將該屋設定最高限額抵押權新臺幣 600 萬元予甲銀行，依民法規定，請回答下列相關問題：\n發生下列何種事由時，上述之最高限額抵押權發生確定效力？",{"id":277,"qno":105,"question":278,"session":202},"credit_adv_law-25-043","【案例】小明向甲銀行申請購屋貸款新臺幣 500 萬元，並將該屋設定最高限額抵押權新臺幣 600 萬元予甲銀行，依民法規定，請回答下列相關問題：\n若甲銀行對小明上述之貸款債權請求權因時效而消滅，請問上述最高限額抵押權依法幾年間不實行，該債權不再屬於該抵押權之擔保範圍？",{"id":280,"qno":109,"question":281,"session":202},"credit_adv_law-25-047","【案例】依強制執行法規定，請回答下列強制執行債務人對第三人之金錢債權之相關問題：\n對自然人因提供勞務而獲得之繼續性報酬債權，核發扣押命令之範圍，不得逾各期給付數額幾分之幾？",{"id":283,"qno":197,"question":284,"session":202},"credit_adv_law-25-048","【案例】依強制執行法規定，請回答下列強制執行債務人對第三人之金錢債權之相關問題：\n下列何者不得為強制執行？",1785170288487]