[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-credit_prac-45-012":3},{"exam":4,"examName":5,"chapterSlug":6,"question":7,"related":22},"credit_prac","初階授信人員專業能力測驗——授信實務","c1",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":19,"explanation":20,"difficulty":21},"credit_prac-45-012","45",12,"有關民法對於保證人所賦予之權利，下列敘述何者錯誤？",[13,14,15,16],"債權人拋棄為其債權擔保之物權者，保證人就債權人拋棄權利之限度內，免其責任","保證訂有期限者，債權人於其期間內對保證人不為審判上之請求，保證人免其責任","就連續發生之債務為保證而未定有期限者，其保證無效","保證人向債權人清償後，債權人對於主債務人之債權，於其清償之限度內，移轉於保證人",2,"基礎授信",1,"(C) 的敘述與民法第七百五十四條相反。該條規定就連續發生之債務為保證而未定有期間者,保證人得隨時通知債權人終止保證契約,終止後對通知到達債權人以後所發生的債務不負責任;保證契約本身仍屬有效,並非無效,故 (C) 錯誤。(A) 即第七百五十一條,債權人拋棄為債權擔保之物權,保證人在拋棄的限度內免責。(B) 即第七百五十二條的定期保證,債權人未於期間內為審判上請求,保證人免其責任。(D) 為第七百四十九條的代位,保證人清償後於清償限度內承受債權人對主債務人的債權,三者敘述均無誤。","medium",[23,26,30,34,38,42],{"id":24,"question":25,"qno":19},"credit_prac-45-001","有關銀行辦理授信業務應把握之基本原則，下列何者錯誤？",{"id":27,"question":28,"qno":29},"credit_prac-45-003","銀行法對於銀行辦理授信，其有關授信用途與授信期間之規範，下列敘述何者錯誤？",3,{"id":31,"question":32,"qno":33},"credit_prac-45-004","銀行未於借貸契約中，與借款人議定行使加速條款之事由及效果，恐違反下列何法規？",4,{"id":35,"question":36,"qno":37},"credit_prac-45-006","授信評估五 P 原則中，下列何種因素有「銀行收回貸款之第二道保障」之稱？",6,{"id":39,"question":40,"qno":41},"credit_prac-45-007","外國銀行在中華民國境內設立分行營業，須經中華民國政府的核准許可後，始可開業，此制度屬於下列何者？",7,{"id":43,"question":44,"qno":45},"credit_prac-45-008","依消費者保護法規定，銀行與客戶經由個別磋商之約定事項，其適用之效力為何？",8,1785146813059]