[{"data":1,"prerenderedAt":45},["ShallowReactive",2],{"q-credit_adv_law-23-002":3},{"exam":4,"examName":5,"chapterSlug":6,"question":7,"related":22},"credit_adv_law","進階授信人員專業能力測驗——授信法規","c1",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":19,"explanation":20,"difficulty":21},"credit_adv_law-23-002","23",2,"銀行辦理消費性放款，下列敘述何者正確？",[13,14,15,16],"雖已取得足額擔保，仍得再徵取連帶保證人","如無足額擔保時，得徵取保證人，且保證範圍不受限制","「足額擔保」之擔保品價值貶落時，銀行不得要求客戶徵提保證人","如為取得執行名義或保全程序，得同時對借款人及保證人進行",3,"授信基本法律",1,"銀行法針對自用住宅放款與消費性放款設有保證人保護機制：原則上不得要求借款人提供連帶保證人，已取得足額擔保時更不得再徵取保證人；縱使徵取，保證範圍與保證期間也受限制，並須先就借款人進行債務催理，催理後仍不能受償才能轉向保證人。但為避免時效經過或財產被隱匿，規範設有但書——為取得執行名義或保全程序時，得同時對借款人及保證人進行，故(D)正確。(A)在已足額擔保下仍徵連帶保證人，正是明文禁止的情形；(B)誤以為保證範圍不受限制；(C)則過度放大保護，擔保品價值貶落致擔保已不足額時，銀行仍得要求補提擔保或保證人。","medium",[23,26,29,33,37,41],{"id":24,"question":25,"qno":19},"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？",{"id":27,"question":28,"qno":17},"credit_adv_law-23-003","依銀行法規定，下列敘述何者錯誤？",{"id":30,"question":31,"qno":32},"credit_adv_law-23-004","下列何者非屬甲金融控股公司之子公司？",4,{"id":34,"question":35,"qno":36},"credit_adv_law-23-005","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？",5,{"id":38,"question":39,"qno":40},"credit_adv_law-23-006","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？",6,{"id":42,"question":43,"qno":44},"credit_adv_law-23-008","依民法規定，承攬人報酬請求權之消滅時效為幾年？",8,1785170288577]