[{"data":1,"prerenderedAt":45},["ShallowReactive",2],{"q-credit_law-46-020":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-46-020","46",20,"依破產法規定，對債務人之財產具有下列何種權利之債權人，得不依破產程序而行使其權利？",[13,14,15,16],"地上權","租賃權","異議權","別除權",3,"授信基本法律",1,"破產法規定，在破產宣告前對於債務人之財產有質權、抵押權或留置權者，就其財產有別除權，而有別除權的債權人不依破產程序行使其權利，可以直接就該擔保物聲請拍賣、優先受償，不必和一般債權人擠在一起按比例分配少得可憐的成數，故選 (D)。這正是擔保授信與無擔保授信在債務人倒閉時差距最大的地方。(A) 地上權是使用他人土地的用益物權，不是就債務人財產優先受償的擔保權。(B) 租賃權性質上屬債權，更談不上優先受償。(C) 破產程序中確有對債權表、分配表聲明異議的機制，但那是程序內的救濟權利，仍受破產程序拘束。","easy",[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？",7,1785154664814]