[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-credit_adv_prac-25-034":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-25-034","25",34,"依民法規定，債務人清償所提出之給付，其抵充順序依序為何？",[13,14,15,16],"費用、利息、本金","費用、本金、利息","本金、利息、費用","本金、費用、利息",0,"事後管理及催收",1,"民法明定清償抵充的法定順序是先費用、次利息、後原本，(A) 為正解。費用排第一，是因為訴訟費、執行費、代墊保險費多由債權人先行墊付，最該優先回收；其次沖抵利息，最後才動到本金。這對催收實務影響很大：債務人零星還款而不足清償全部債務時，款項先沖費用與利息，本金往往紋風不動，承辦人員要據此說明餘額為何降得慢。(B)(C)(D) 都把本金或利息排到費用之前，照這樣沖銷，銀行墊付的費用與已到期利息會被壓在後面遲遲收不回。當事人另有約定固可從其約定，未約定就一律回到此順序。","easy",[23,27,31,35,38,42],{"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":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":10},"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？",{"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？",46,1785170291456]