[{"data":1,"prerenderedAt":45},["ShallowReactive",2],{"q-credit_adv_law-25-027":3},{"exam":4,"examName":5,"chapterSlug":6,"question":7,"related":21},"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":17,"explanation":19,"difficulty":20},"credit_adv_law-25-027","25",27,"張三以自己名義購買房屋一幢，向銀行申請自用住宅貸款，下列敘述何者正確？",[13,14,15,16],"銀行得要求張三與其配偶列共同借款人","銀行不得要求張三提供連帶保證人","銀行未取得足額擔保時，亦不得增提一般保證人","銀行已取得足額擔保但因張三有信用不良紀錄，得要求張三提供保證人",1,"授信基本法律","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：這兩類授信不得要求借款人提供連帶保證人，以免保證人在無先訴抗辯權下被逕行求償，故 (B) 正確。同一規定另揭示，已取得足額擔保時不得要求提供保證人；反面推論，擔保不足額時仍可增提一般保證人，(C) 說「亦不得增提」與規定相反。(D) 的情形擔保已足額，縱使借款人信用紀錄不佳，也只能反映在利率或成數，不能轉嫁給保證人。(A) 房屋由張三單獨具名、貸款也由其單獨使用，配偶並非實際用款人，主管機關禁止要求非實際用款人列為共同借款人以變相取得保證效果。","medium",[22,25,29,33,37,41],{"id":23,"question":24,"qno":17},"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":26,"question":27,"qno":28},"credit_adv_law-23-002","銀行辦理消費性放款，下列敘述何者正確？",2,{"id":30,"question":31,"qno":32},"credit_adv_law-23-003","依銀行法規定，下列敘述何者錯誤？",3,{"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？",6,1785170289851]