[{"data":1,"prerenderedAt":45},["ShallowReactive",2],{"q-credit_adv_law-24-011":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-24-011","24",11,"依民法有關消費借貸之規定，下列敘述何者錯誤？",[13,14,15,16],"消費借貸為要物契約","借用人後應以種類、品質、數量相同之物返還與貸與人","消費借貸得預扣利息","消費借貸契約之訂立應以書面為之",3,"授信基本法律",1,"消費借貸依民法為要物契約，因金錢或其他代替物之所有權移轉而生效力，(A)正確；借用人負以種類、品質、數量相同之物返還的義務，(B)也正確。至於方式，民法並未要求消費借貸須以書面訂立，當事人合意加上交付即告成立，銀行使用借據純屬舉證與內控需要，(D)把不要式契約說成要式契約，與消費借貸的基本性質直接牴觸，是應選的錯誤敘述。(C)所稱預扣利息，實務上另涉民法巧取利益禁止規定的爭議，惟與(D)相比並非命題所指的錯誤點，作答時仍以性質上正面衝突的(D)為準。","medium",[23,26,30,33,37,41],{"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":29},"credit_adv_law-23-002","銀行辦理消費性放款，下列敘述何者正確？",2,{"id":31,"question":32,"qno":17},"credit_adv_law-23-003","依銀行法規定，下列敘述何者錯誤？",{"id":34,"question":35,"qno":36},"credit_adv_law-23-004","下列何者非屬甲金融控股公司之子公司？",4,{"id":38,"question":39,"qno":40},"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":42,"question":43,"qno":44},"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？",6,1785170289196]