[{"data":1,"prerenderedAt":45},["ShallowReactive",2],{"q-credit_law-46-041":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-46-041","46",41,"銀行辦理催收業務收回款項如未能全部抵充債務人之債務時，依民法規定應如何處理？",[13,14,15,16],"優先抵充本金，如有剩餘始抵充利息及費用","優先抵充違約金，如有剩餘始抵充利息及本金","優先抵充利息，如有剩餘始抵充費用及本金","應依費用、利息、本金之順序抵充，至於違約金則無明文規定",3,"授信基本法律",1,"民法把清償抵充的順位寫死了：同一債權有費用、利息與原本要清償，而收回款項不足清償全部時，應先抵充費用，次充利息，最後才抵充原本；至於違約金，該順位條文並未列入，實務上多回歸契約約定處理，(D)正是完整描述這個法定順序與違約金無明文的現況。這樣設計是避免債務人先把本金還掉，卻讓銀行代墊的費用與已生利息長期掛帳。(A)把本金擺第一，順序完全顛倒；(C)雖記得利息在前，卻漏掉費用最優先，還把本金與費用的位置對調；(B)以違約金為首更無依據，違約金連法定順位都沒有，不可能排在費用、利息之前。","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？",7,1785146812298]