[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-credit_prac-46-008":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","c5",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":19,"explanation":20,"difficulty":21},"credit_prac-46-008","46",8,"銀行對授信戶借款違約金之請求權時效，經多久期間不行使而消滅？",[13,14,15,16],"二年","五年","十年","十五年",3,"事後管理及催收",1,"違約金是債務人不履行時應另行支付的賠償額預定,性質上屬一次性的損害賠償請求權,不是按期反覆發生的定期給付,因此不適用民法五年短期時效,回歸一般請求權十五年的消滅時效,自銀行得行使請求權時起算。(A) 二年是侵權行為損害賠償自請求權人知悉時起算的時效,與契約上的違約金無關。(B) 五年適用於利息、紅利、租金等一年或不及一年的定期給付債權,銀行的放款利息才適用這一款。(C) 十年並非民法所定的一般時效期間,單純是用來混淆的干擾選項。","medium",[23,27,31,35,39,43],{"id":24,"question":25,"qno":26},"credit_prac-45-069","有關逾期放款及催收款轉銷呆帳之規定，下列敘述何者錯誤？",69,{"id":28,"question":29,"qno":30},"credit_prac-45-070","下列何種執行名義所載給付，經實施強制執行而無效果時，法院得發給債權憑證？",70,{"id":32,"question":33,"qno":34},"credit_prac-45-071","支票之執票人對於發票人因聲請法院之和解而中斷時效，則自確定之日起，其請求權消滅時效延長為若干年？",71,{"id":36,"question":37,"qno":38},"credit_prac-45-072","有關法拍所得案款，其分配順序由先而後應為下列何者？ A.關稅 B.強制執行費用 C.土地增值稅 D.權利質權所擔保之債權 E.承攬修繕所生之法定抵押權（針對該工作物）",72,{"id":40,"question":41,"qno":42},"credit_prac-45-073","有關不動產強制執行之流程，下列何者正確？ A.引導查封 B.鑑價 C.詢問底價意見 D.核定拍賣日期",73,{"id":44,"question":45,"qno":46},"credit_prac-45-074","有關「查封」之敘述，下列何者正確？",74,1785146813798]