[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-credit_law-47-016":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-47-016","47",16,"銀行持有甲簽發經乙背書之支票乙紙，銀行疏忽未於法定期限內提示付款，遭存款不足退票，則銀行對票據債務人之權利為何？",[13,14,15,16],"僅得對甲行使追索權","僅得對乙行使追索權","對甲乙均得行使追索權","對甲乙均不得行使追索權",0,"授信基本法律",1,"支票執票人必須在法定提示期限內為付款之提示，逾期未提示者，對於發票人以外之前手喪失追索權；至於發票人，即使提示期限已經過，仍應對執票人負責，只有在因執票人怠於提示致發票人受有損失時，才在不超過票面金額的範圍內負賠償責任而減免。所以銀行疏忽未及時提示，結果是仍可向發票人甲追索，但對背書人乙的追索權已經消滅，故(A)正確。(B)方向弄反，乙才是失權的對象；(C)忽略逾期提示的失權效果，高估執票人地位；(D)則過度懲罰執票人，連發票人的責任也一併免除，於法無據。","medium",[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？",7,1785154665248]