[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-credit_adv_prac-24-032":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","c5",{"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-24-032","24",32,"有關授信覆審，下列敘述何者錯誤？",[13,14,15,16],"重要授信個案如有實際需要，應辦理實地覆審","覆審人員不得覆審本身經辦之授信案件","授信層級及貸放條件履行非授信覆審事項","對約定分期償還之企業授信，應隨時查核其產銷情形及獲利能力",2,"事後管理及催收",1,"授信覆審的目的是回頭檢查案件核准與撥貸的品質，核准有沒有依權限層級辦理、核准時所訂的貸放條件有沒有落實，正是覆審最核心的查核項目，(C) 說這些不屬覆審事項，方向完全相反，故為錯誤敘述。(A) 金額重大、擔保品特殊或已出現警訊的個案，光看書面看不出實情，應辦理實地覆審。(B) 覆審必須具備獨立性，經辦人覆審自己的案件等於自己查自己，牽制效果盡失，故明定迴避。(D) 約定分期償還的企業授信，還款來源來自持續的營運現金流，應隨時查核產銷情形與獲利能力。","medium",[23,27,30,34,38,42],{"id":24,"question":25,"qno":26},"credit_adv_prac-23-031","依民法規定，就債之履行有利害關係之第三人為清償者，債權人不得拒絕，惟下列何者債權人得拒絕之？",31,{"id":28,"question":29,"qno":10},"credit_adv_prac-23-032","就強制執行之財產，下列何者應受最優先分配？",{"id":31,"question":32,"qno":33},"credit_adv_prac-23-033","下列何項非強制執行法所訂之執行名義？",33,{"id":35,"question":36,"qno":37},"credit_adv_prac-23-034","銀行之不良債權，得依下列何種法規之規定，讓售給資產管理公司？",34,{"id":39,"question":40,"qno":41},"credit_adv_prac-23-036","債權人就其他債權人進行中之強制執行拍賣案件，聲明參與分配時，應至遲於何時前具狀聲明之？",36,{"id":43,"question":44,"qno":45},"credit_adv_prac-23-046","【案例】甲公司為製造醫事材料之有限公司，擬以其營業交易所發生之應收票據為擔保，向銀行借款，銀行要求其母公司（乙有限公司）擔任保證人，其方式係由甲公司簽發本票，乙公司在本票上簽章擔任票據保證人。請回答下列問題：\n有關本票裁定之敘述，下列何者錯誤？",46,1785170290990]