[{"data":1,"prerenderedAt":45},["ShallowReactive",2],{"q-credit_law-45-008":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-45-008","45",8,"依民法規定，有關抵銷之敘述，下列何者錯誤？",[13,14,15,16],"抵銷不得附條件或期限","抵銷之要件必須雙方之債務均屆清償期","抵銷應以意思表示向他方為之","抵銷支票存款時，可暫緩終止其支票存款往來契約",3,"授信基本法律",1,"銀行以存款抵銷放款債權時，若抵銷的是支票存款，應同時終止該支票存款往來契約，不能只扣款而讓帳戶繼續流通，否則存戶已簽發在外的支票將因餘額遭扣抵而退票，徒生糾紛與責任，故(D)敘述錯誤，為正解。(A)抵銷是形成權，附條件或期限會使法律關係懸而未決，民法明定不得附之；(B)行使抵銷者其主動債權必須已屆清償期，否則等於強令對方提前受償；(C)抵銷須以意思表示向他方為之，不會因雙方債務適於抵銷就自動發生效力，三者都是正確描述。","hard",[23,26,30,33,37,41],{"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":29},"credit_law-45-002","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？",2,{"id":31,"question":32,"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":34,"question":35,"qno":36},"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":38,"question":39,"qno":40},"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":42,"question":43,"qno":44},"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？",7,1785154664240]