[{"data":1,"prerenderedAt":45},["ShallowReactive",2],{"q-credit_law-45-002":3},{"exam":4,"examName":5,"chapterSlug":6,"question":7,"related":22},"credit_law","初階授信人員專業能力測驗——授信法規","c1",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":19,"explanation":20,"difficulty":21},"credit_law-45-002","45",2,"依銀行法規定，銀行對於無自用住宅者購買自用住宅之放款，最長期限不得超過多久？",[13,14,15,16],"十五年","二十年","三十年","無期限限制",3,"授信基本法律",1,"銀行法第三十八條規定，銀行對購買或建造住宅、企業用建築得辦理中長期放款，最長期限不得超過三十年；但同條但書特別把「對無自用住宅者購買自用住宅之放款」排除在外，不受該年限拘束，故(D)正確。用意是照顧首次購屋的無自用住宅者，讓銀行能拉長攤還年限、壓低每月本息負擔，協助其取得自住房屋。(C)三十年是原則性的上限，適用於一般住宅與企業用建築放款，正是本題但書所排除的對象；(A)十五年與(B)二十年在條文中都找不到依據，屬常見的混淆數字。","medium",[23,26,29,33,37,41],{"id":24,"question":25,"qno":19},"credit_law-45-001","依銀行法規定，商業銀行辦理中期放款之總餘額，不得超過下列何者？",{"id":27,"question":28,"qno":17},"credit_law-45-003","甲銀行對乙君有授信往來，依銀行法規定，下列何者不須納入乙君之同一關係人？",{"id":30,"question":31,"qno":32},"credit_law-45-004","依金融控股公司法規定，所謂「子公司」，除指控制性持股之類型外，係指金融控股公司持有已發行有表決權股份總數或資本總額超過多少比率之其他公司？",4,{"id":34,"question":35,"qno":36},"credit_law-45-005","依金融機構合併法規定，金融機構讓與其不良債權時，就該債權對下列何者已取得之執行名義，其效力及於不良債權受讓人？",5,{"id":38,"question":39,"qno":40},"credit_law-45-007","建築物營建承攬人就承攬關係所發生的報酬，依民法規定，可以要求定作人作下列哪一種行為，以保障債權？",7,{"id":42,"question":43,"qno":44},"credit_law-45-008","依民法規定，有關抵銷之敘述，下列何者錯誤？",8,1785146811395]