[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-credit_adv_prac-24-033":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-24-033","24",33,"有關一般債權之「消滅時效期間」，下列敘述何者正確？",[13,14,15,16],"借款本金 15 年、違約金 5 年","利息 5 年、違約金 5 年","借款本金 15 年、票據利得償還請求權 15 年","利息 5 年、墊款 5 年",2,"事後管理及催收",1,"借款本金請求權沒有特別規定，適用民法十五年的一般消滅時效；票據法上的利益償還請求權並非票據上的權利，實務見解同樣回歸民法一般時效，亦為十五年，故 (C) 正確。真正縮短為五年的，是民法所列一年或不及一年的定期給付債權，利息、紅利、租金、退職金屬之。(A) 與 (B) 都把違約金寫成五年，但違約金是因債務不履行而生的請求權，不是定期給付，仍適用十五年。(D) 銀行代墊的保險費、規費等墊款屬一般債權，時效同為十五年，寫成五年並不正確。","hard",[23,27,31,34,38,42],{"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":30},"credit_adv_prac-23-032","就強制執行之財產，下列何者應受最優先分配？",32,{"id":32,"question":33,"qno":10},"credit_adv_prac-23-033","下列何項非強制執行法所訂之執行名義？",{"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？",46,1785170290994]