[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-credit_law-45-021":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-45-021","45",21,"「消費者債務清理條例」所稱消費者，係指幾年內未從事營業活動或從事小規模營業活動之自然人？",[13,14,15,16],"五年","三年","二年","一年",0,"授信基本法律",1,"消費者債務清理條例把適用對象界定為五年內未從事營業活動，或從事小規模營業活動之自然人，故(A)正確。以五年作為觀察期，是要把純消費性負債與經營事業所生的商業債務區隔開來：前者可走較迅速簡便的更生、清算程序，後者原則上仍循破產法處理；所謂小規模營業，另以每月平均營業額的標準認定。(B)三年、(C)二年、(D)一年都不是條文所定期間。銀行受理個人授信或進行催收時，判斷債務人是否可能聲請更生、清算，這項身分要件是第一道篩選。","easy",[23,26,30,34,38,42],{"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":33},"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？",3,{"id":35,"question":36,"qno":37},"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":39,"question":40,"qno":41},"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":43,"question":44,"qno":45},"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？",7,1785146811647]