[{"data":1,"prerenderedAt":45},["ShallowReactive",2],{"q-credit_prac-46-015":3},{"exam":4,"examName":5,"chapterSlug":6,"question":7,"related":21},"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":17,"explanation":19,"difficulty":20},"credit_prac-46-015","46",15,"為擔保債權，占有由債務人或第三人移交之動產，得就其賣得價金，受清償之權，屬於下列何者？",[13,14,15,16],"動產抵押權","動產質權","信託占有","不動產抵押權",1,"基礎授信","這是民法第八百八十四條動產質權的定義:因擔保債權而占有由債務人或第三人移交之動產,得就其賣得價金優先受清償。關鍵特徵有二,一是標的必須是動產,二是必須移轉占有給債權人,質權才有效成立並具備公示效果;銀行實務上的黃金、有價證券質押就是這樣操作。(A) 動產抵押依動產擔保交易法設定,標的物仍留在債務人手中繼續使用,以登記代替占有,正好與題意的移交相反;(C) 信託占有是由信託人取得標的物所有權作為擔保,占有與處分由受託人為之,架構完全不同;(D) 不動產抵押標的是土地房屋,既不移轉占有,也不是動產。","medium",[22,25,29,33,37,41],{"id":23,"question":24,"qno":17},"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":26,"question":27,"qno":28},"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":30,"question":31,"qno":32},"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":34,"question":35,"qno":36},"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":38,"question":39,"qno":40},"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":42,"question":43,"qno":44},"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？",8,1785146813863]