[{"data":1,"prerenderedAt":45},["ShallowReactive",2],{"q-credit_adv_law-25-043":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-25-043","25",43,"【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若甲銀行對小明上述之貸款債權請求權因時效而消滅，請問上述最高限額抵押權依法幾年間不實行，該債權不再屬於該抵押權之擔保範圍？",[13,14,15,16],"二年","三年","四年","五年",3,"授信基本法律",1,"最高限額抵押權的從屬性較為緩和，即使被擔保債權的請求權罹於時效，抵押權也不會立刻消滅，但法律不允許擔保狀態無限期懸著。民法規定，擔保債權的請求權已因時效而消滅者，抵押權人若於消滅時效完成後五年間不實行其抵押權，該債權即不再屬於最高限額抵押權的擔保範圍，故選 (D)。(A) 二年、(B) 三年、(C) 四年都不是法定期間。這個五年與普通抵押權在主債權時效完成後五年不實行即消滅的設計相互呼應，都在督促債權人及時行使權利。實務上銀行應於時效完成後五年內聲請拍賣抵押物，逾期該筆債權就只剩無擔保的普通債權地位。","hard",[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？",6,1785170289967]