[{"data":1,"prerenderedAt":193},["ShallowReactive",2],{"past-credit_adv_law-24":3},{"examName":4,"questions":5},"進階授信人員專業能力測驗——授信法規",[6,11,15,19,23,27,31,35,39,43,47,51,55,59,63,67,71,75,79,84,88,93,97,101,105,109,113,117,121,125,129,133,137,141,145,149,153,157,161,165,169,173,177,181,185,189],{"id":7,"qno":8,"question":9,"chapter":10},"credit_adv_law-24-002",2,"有關金融債券之敘述，下列何者錯誤？","授信基本法律",{"id":12,"qno":13,"question":14,"chapter":10},"credit_adv_law-24-003",3,"依銀行法規定，下列敘述何者錯誤？",{"id":16,"qno":17,"question":18,"chapter":10},"credit_adv_law-24-004",4,"下列何者非屬金融控股公司法用詞所稱之子公司？",{"id":20,"qno":21,"question":22,"chapter":10},"credit_adv_law-24-005",5,"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":24,"qno":25,"question":26,"chapter":10},"credit_adv_law-24-006",6,"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":28,"qno":29,"question":30,"chapter":10},"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":32,"qno":33,"question":34,"chapter":10},"credit_adv_law-24-008",8,"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":36,"qno":37,"question":38,"chapter":10},"credit_adv_law-24-009",9,"依民法有關債權讓與之規定，下列敘述何者錯誤？",{"id":40,"qno":41,"question":42,"chapter":10},"credit_adv_law-24-010",10,"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":44,"qno":45,"question":46,"chapter":10},"credit_adv_law-24-011",11,"依民法有關消費借貸之規定，下列敘述何者錯誤？",{"id":48,"qno":49,"question":50,"chapter":10},"credit_adv_law-24-012",12,"公司法有關無擔保公司債之規定，下列敘述何者正確？",{"id":52,"qno":53,"question":54,"chapter":10},"credit_adv_law-24-013",13,"依公司法規定，下列敘述何者錯誤？",{"id":56,"qno":57,"question":58,"chapter":10},"credit_adv_law-24-014",14,"依票據法有關保付支票之規定，下列敘述何者正確？",{"id":60,"qno":61,"question":62,"chapter":10},"credit_adv_law-24-015",15,"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":64,"qno":65,"question":66,"chapter":10},"credit_adv_law-24-016",16,"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":68,"qno":69,"question":70,"chapter":10},"credit_adv_law-24-017",17,"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":72,"qno":73,"question":74,"chapter":10},"credit_adv_law-24-018",18,"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":76,"qno":77,"question":78,"chapter":10},"credit_adv_law-24-019",19,"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":80,"qno":81,"question":82,"chapter":83},"credit_adv_law-24-020",20,"信用卡持卡及小額信用貸款申請人經辦理「親屬代償註記」後，發卡機構如不能確認其具有還款能力，可否另行核發新卡或核准其貸款？","信用卡、現金卡相關規章",{"id":85,"qno":86,"question":87,"chapter":10},"credit_adv_law-24-021",21,"有關刑法上「圖利罪」之敘述，下列何者正確？",{"id":89,"qno":90,"question":91,"chapter":92},"credit_adv_law-24-022",22,"票交所提供「包括清償贖回、提存備付及重提付訖之註記」資訊，稱為下列何者？","授信相關規章(含徵信調查、授信審查及事後管理及催收)",{"id":94,"qno":95,"question":96,"chapter":92},"credit_adv_law-24-023",23,"依主管機關規定，民營營利事業申貸時，其總授信金額達新臺幣三千萬元應提供會計師財務簽證報告，所稱總授信金額，下列敘述何者錯誤？",{"id":98,"qno":99,"question":100,"chapter":92},"credit_adv_law-24-024",24,"依銀行公會所定徵信調查相關規章，下列敘述何者正確？",{"id":102,"qno":103,"question":104,"chapter":10},"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":106,"qno":107,"question":108,"chapter":10},"credit_adv_law-24-026",26,"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":110,"qno":111,"question":112,"chapter":10},"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":114,"qno":115,"question":116,"chapter":92},"credit_adv_law-24-028",28,"銀行辦理購屋貸款收取提前清償違約金，下列敘述何者錯誤？",{"id":118,"qno":119,"question":120,"chapter":10},"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":122,"qno":123,"question":124,"chapter":92},"credit_adv_law-24-030",30,"依主管機關規定，銀行辦理消費性貸款，下列敘述何者正確？",{"id":126,"qno":127,"question":128,"chapter":92},"credit_adv_law-24-032",32,"下列何者非屬「中小企業信用保證基金」之保證對象？",{"id":130,"qno":131,"question":132,"chapter":83},"credit_adv_law-24-033",33,"有關信用卡持卡人結欠款項轉銷呆帳規定，下列敘述何者錯誤？",{"id":134,"qno":135,"question":136,"chapter":92},"credit_adv_law-24-034",34,"依「銀行資產評估損失準備提列及逾期放款催收款呆帳處理辦法」規定，有關催收款之敘述，下列何者錯誤？",{"id":138,"qno":139,"question":140,"chapter":92},"credit_adv_law-24-035",35,"逾期放款總額占放款總額之比率稱為下列何者？",{"id":142,"qno":143,"question":144,"chapter":92},"credit_adv_law-24-036",36,"銀行對同一客戶逾期債權累計轉銷呆帳達一定金額應予揭露之規定，下列敘述何者錯誤？",{"id":146,"qno":147,"question":148,"chapter":92},"credit_adv_law-24-037",37,"借戶現欠 200 萬元，抵押物法院拍賣底價為 550 萬元，列報逾期放款日期為 102 年 7 月 31 日，此筆不良授信至 102 年 8 月下旬進行資產評估，應列為下列何類？",{"id":150,"qno":151,"question":152,"chapter":83},"credit_adv_law-24-038",38,"依主管機關規定，有關發卡機構委託便利商店業者代收持卡人應繳納信用卡消費帳款應遵守之事項，下列敘述何者正確？",{"id":154,"qno":155,"question":156,"chapter":83},"credit_adv_law-24-039",39,"下列何者為發卡機構得無須事先通知持卡人，而主動製發信用卡給持卡人之情形？",{"id":158,"qno":159,"question":160,"chapter":92},"credit_adv_law-24-040",40,"依「中華民國銀行公會會員徵信準則」規定，中長期週轉資金授信，總授信金額達新臺幣二億元者，下列何者非需加送之資料？",{"id":162,"qno":163,"question":164,"chapter":92},"credit_adv_law-24-041",41,"【案例】有關銀行辦理應收帳款承購業務相關規定，請回答下列問題：\n有關有追索權之應收帳款承購業務，列報逾期放款之規定，下列何者正確？",{"id":166,"qno":167,"question":168,"chapter":92},"credit_adv_law-24-042",42,"【案例】有關銀行辦理應收帳款承購業務相關規定，請回答下列問題：\n有關應收帳款承購業務備抵呆帳提列之規定，下列何者正確？",{"id":170,"qno":171,"question":172,"chapter":92},"credit_adv_law-24-043",43,"【案例】有關銀行辦理消費性放款應注意之規定，請回答下列問題：\n有關辦理消費性放款應注意事項，下列何者錯誤？",{"id":174,"qno":175,"question":176,"chapter":92},"credit_adv_law-24-044",44,"【案例】有關銀行辦理消費性放款應注意之規定，請回答下列問題：\n金融機構辦理消費性放款相關事務之處理，下列何者錯誤？",{"id":178,"qno":179,"question":180,"chapter":10},"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":182,"qno":183,"question":184,"chapter":10},"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":186,"qno":187,"question":188,"chapter":10},"credit_adv_law-24-047",47,"【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":190,"qno":191,"question":192,"chapter":10},"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？",1785170288545]