[{"data":1,"prerenderedAt":45},["ShallowReactive",2],{"q-credit_prac-47-010":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-47-010","47",10,"銀行辦理某一企業授信案件，徵提甲（負責人）、乙（專業經理人）及丙（多家公司董事）三位連帶保證人，倘債務違約時，其求償順序為何？",[13,14,15,16],"甲→乙→丙","乙→甲→丙","丙→甲→乙","可同時求償",3,"基礎授信",1,"連帶保證人與主債務人負同一清償責任，債權人可以對主債務人與各連帶保證人中的一人、數人或全體，同時或先後請求全部或一部的給付，沒有先後順位可言，這正是銀行偏好徵提連帶保證而非普通保證的理由：普通保證人享有先訴抗辯權，連帶保證人則已拋棄該抗辯。所以甲、乙、丙不論身分是負責人、專業經理人或他公司董事，對銀行而言法律地位相同，可以同時起訴、同時聲請假扣押。(A)(B)(C) 都預設求償要照某種順位進行，把連帶保證誤解成普通保證或補充性責任；身分差異只影響徵信時對保證人資力的評估，不影響求償順序。","medium",[23,26,29,33,37,41],{"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":17},"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？",{"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？",8,1785146814558]