[{"data":1,"prerenderedAt":45},["ShallowReactive",2],{"q-credit_adv_law-24-048":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-24-048","24",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？",[13,14,15,16],"保證期間屆滿，保證責任無條件當然解除","債權人於保證期間內對保證人發存證信函，保證責任即可延續","於保證期間屆滿後五年內，保證人仍應負保證責任","債權人於保證期間內，對於保證人不為審判上之請求，保證人免其責任",3,"授信基本法律",1,"定期保證的核心規則是：約定保證人僅於一定期間內為保證者，債權人若在該期間內未對保證人為審判上之請求，保證人即免其責任，故 (D) 正確。所謂審判上之請求，指起訴、聲請支付命令、聲請調解等具訴訟效力的行為，單純的催告不算數。(A) 錯在「無條件當然解除」，若期間屆滿前已依法對保證人起訴，保證責任仍然延續；(B) 錯在存證信函只是訴訟外催告，不生保全效果，銀行光寄信不起訴，保證人照樣脫身；(C) 憑空多出五年，法無明文。保證契約期限最長十五年，承辦人務必在到期前盤點是否已對保證人採取審判上的行動。","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？",6,1785170289564]