[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-credit_adv_prac-23-015":3},{"exam":4,"examName":5,"chapterSlug":6,"question":7,"related":22},"credit_adv_prac","進階授信人員專業能力測驗——授信實務","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_prac-23-015","23",15,"本國銀行主辦之聯貸案所需合約，除聯合授信合約外，尚包括聯貸銀行合約，通常約定各參貸銀行對借款人之所有債權為民法第二八三條之連帶債權人，該約定與下列何者有關？",[13,14,15,16],"僅能由主辦行行使抵銷權","主辦行已收取安排費(Arranger Fee)","參貸銀行因故未能撥款，主辦行有義務先墊款","以主辦行名義為擔保品之抵押權人、質權人或受託人",3,"企業授信",1,"民法第二八三條的連帶債權，指數人對同一債務人各得請求全部給付。聯貸案將各參貸行約定為連帶債權人，目的在讓其中一家(通常是主辦行或擔保管理行)得以自己名義單獨登記為抵押權人、質權人或信託受託人，並代表全體行使、保全及實行擔保物權，省去每家銀行各自設定、各自塗銷的高昂成本與作業風險，故 (D) 正確。(A) 恰好相反，連帶債權下各參貸行對借款人各有全部請求權，抵銷權不會限於主辦行。(B) 安排費是安排聯貸的報酬、(C) 撥款義務由各行自負，均與此項約定無關。","hard",[23,27,31,35,39,43],{"id":24,"question":25,"qno":26},"credit_adv_prac-23-002","凡公司行號依「會計師查核簽證財務報表規則」辦理之財務報表，均可作為財務分析之用，下列何者非屬此類財務報表？",2,{"id":28,"question":29,"qno":30},"credit_adv_prac-23-004","依中小企業信用保證基金規定，有關直接保證之敘述，下列何者正確？",4,{"id":32,"question":33,"qno":34},"credit_adv_prac-23-006","下列敘述何者錯誤？",6,{"id":36,"question":37,"qno":38},"credit_adv_prac-23-007","有關短期授信性質，下列敘述何者錯誤？",7,{"id":40,"question":41,"qno":42},"credit_adv_prac-23-008","大華公司經營針織品買賣業務，則其所收到之票據，依其交易性質，下列何者適宜辦理墊付國內票款？",8,{"id":44,"question":45,"qno":46},"credit_adv_prac-23-009","銀行辦理「透支」業務，下列敘述何者錯誤？",9,1785170290299]