[{"data":1,"prerenderedAt":45},["ShallowReactive",2],{"q-credit_law-46-008":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-46-008","46",8,"某甲向Ａ銀行借款一千萬元，並提供其所有之土地設定抵押權作為擔保。某甲以定作人名義委請Ｂ建設公司在該土地上興建樓房一幢，事後某甲未依約償還Ａ銀行借款本息，Ａ銀行依法可以採取下列何種方法求償？",[13,14,15,16],"僅能聲請法院拍賣土地，並就賣得價金優先受償","無法拍賣該土地及房屋，只能就某甲的其他財產求償","聲請法院拍賣土地及房屋，並就全部賣得價金優先受償","聲請法院拍賣土地及房屋，就土地賣得價金優先受償，但對於房屋之價金無優先受清償之權",3,"授信基本法律",1,"土地設定抵押權後,土地所有人才在該土地上營造建築物的,抵押權的效力並不當然及於新建房屋,因為房屋不是設定當時的擔保標的。但若只拍賣土地,房地分屬不同人會使土地難以處分、拍定價格大幅折損,因此法律允許抵押權人於必要時,聲請法院將建築物與土地併付拍賣,而對建築物賣得的價金沒有優先受清償的權利,(D) 正確。(A) 忽略了併付拍賣的機制;(B) 誤以為完全不能拍賣;(C) 則把優先受償範圍擴張到房屋價金,超出抵押權原本的擔保範圍。","medium",[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？",7,1785154664712]