[{"data":1,"prerenderedAt":45},["ShallowReactive",2],{"q-credit_adv_law-25-041":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-25-041","25",41,"【案例】小明向甲銀行申請購屋貸款新臺幣 500 萬元，並將該屋設定最高限額抵押權新臺幣 600 萬元予甲銀行，依民法規定，請回答下列相關問題：\n請問除了貸款本金外，下列何種債權亦包含在上述最高限額抵押權之擔保範圍內？ A.利息 B.遲延利息 C.違約金",[13,14,15,16],"僅 AB","僅 AC","僅 BC","ABC",3,"授信基本法律",1,"民法對最高限額抵押權的擔保範圍採總額控管：抵押權人就已確定的原債權，只能在約定的最高限額內行使權利；而約定的利息、遲延利息、違約金，與原債權合計不逾最高限額者，同樣受到擔保。也就是 A 利息、B 遲延利息、C 違約金三者都在擔保範圍內，只是加總後不得突破設定的六百萬元，故選 (D)。(A)(B)(C) 各漏列其中一項，都不符規定。實務意義很直接：貸款本金五百萬元卻設定六百萬元最高限額，多出的一百萬元空間正是預留給利息與違約金；一旦合計超過六百萬元，超過部分即失去優先受償保障。","easy",[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？",6,1785170289956]