[{"data":1,"prerenderedAt":45},["ShallowReactive",2],{"q-credit_adv_law-24-026":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-24-026","24",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？",[13,14,15,16],"已取得足額擔保仍得徵提連帶保證人","不得約定保證人之保證責任包括主債務之利息、違約金","借款人不得主動向銀行提出保證人","銀行不得以任何方式誘使借款人提出保證人",3,"授信基本法律",1,"銀行法明定銀行辦理自用住宅放款及消費性放款，不得要求借款人提供連帶保證人；已取得足額擔保時，更不得要求借款人提供任何保證人。主管機關進一步函示，銀行不得以任何方式誘使借款人提出保證人，以免業者改用話術規避禁止規定，故 (D) 正確。(A) 已取得足額擔保仍徵提連帶保證人，正是條文明文禁止的行為。(B) 保證人的責任範圍本得及於主債務之利息與違約金，法律要求的是訂約時應以書面告知保證人責任範圍，而非禁止約定。(C) 借款人基於自身需要主動提出保證人並未被禁止，受限制的是銀行要求或誘使，主動權歸屬不同不可混談。","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？",6,1785170289343]