[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-credit_adv_prac-25-004":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-25-004","25",4,"消滅時效在我國之立法例是採「抗辯權發生主義」，故當時效完成時，發生下列何種法律效果？",[13,14,15,16],"權利人之請求權消滅","義務人之義務消滅","義務人取得拒絕給付之抗辯權","權利人之權利及義務人之義務同歸消滅",2,"事後管理及催收",1,"我國民法對消滅時效採抗辯權發生主義，而不是權利當然消滅主義。時效完成後債權與請求權都還存在，只是債務人取得拒絕給付的抗辯權，可以主張時效抗辯而不付款，故 (C) 正確。這個立法例在催收實務上有兩個具體效果：法院不會主動援用時效，債務人若未提出抗辯仍須清償；債務人在時效完成後才清償者，事後也不得以不當得利請求返還。因此 (A) 請求權消滅、(B) 義務消滅、(D) 權利義務同歸消滅，都誤把我國制度說成權利自動歸於消滅，與抗辯權發生主義不符。","medium",[23,27,31,35,39,43],{"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":34},"credit_adv_prac-23-033","下列何項非強制執行法所訂之執行名義？",33,{"id":36,"question":37,"qno":38},"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":40,"question":41,"qno":42},"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":44,"question":45,"qno":46},"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？",46,1785170291197]