[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-credit_adv_law-25-034":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","c2",{"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-25-034","25",34,"依主管機關規定，債務人向金融機構申請前置協商期間，金融機構得否將不良債權讓售予資產管理公司？",[13,14,15,16],"不得","視債權金額而定","視協商條件而定","由金融機構自行決定",0,"授信相關規章(含徵信調查、授信審查及事後管理及催收)",1,"消費者債務清理條例的前置協商，是債務人在聲請更生或清算前，先向最大債權金融機構請求協商還款方案的法定程序。為了讓協商在債權債務關係穩定的狀態下進行，主管機關明定金融機構於債務人申請前置協商期間，不得將該不良債權讓售予資產管理公司，故 (A) 正確。理由在於債權一旦移轉，協商窗口與債權人組成就會變動，原本快談妥的條件可能付諸流水，債務人還會面臨受讓機構的重複催收。因此這是一體適用的禁止規定，不因債權金額大小 (B) 或協商條件寬嚴 (C) 而不同，也不是留給金融機構自行裁量的事項 (D)。","medium",[23,27,31,35,39,43],{"id":24,"question":25,"qno":26},"credit_adv_law-23-022","中華民國銀行公會所定義之「集團企業」，係指獨立存在而相互之間具有下列何種關係之企業？",22,{"id":28,"question":29,"qno":30},"credit_adv_law-23-023","下列何者非屬銀行辦理短期授信案件應索取之資料？",23,{"id":32,"question":33,"qno":34},"credit_adv_law-23-024","依「中華民國銀行公會會員徵信準則」規定，企業總授信金額達新臺幣三千萬元以上者，應徵提會計師財務報表查核報告，有關總授信金額之認定，下列何者錯誤？",24,{"id":36,"question":37,"qno":38},"credit_adv_law-23-025","有關徵信報告，下列敘述何者錯誤？",25,{"id":40,"question":41,"qno":42},"credit_adv_law-23-027","依「中華民國銀行公會會員授信準則」規定，下列敘述何者錯誤？",27,{"id":44,"question":45,"qno":46},"credit_adv_law-23-028","依「定期存款質借及中途解約辦法」規定，有關定期存款存單之質借，下列敘述何者正確？",28,1785170289892]