[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-credit_prac-47-070":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-47-070","47",70,"有利害關係之第三人代為清償，此「第三人」包括下列何者？",[13,14,15,16],"借款人之配偶","借款人之三親等以內之血親","抵押物之共有人","借款人之二親等以內之姻親",2,"事後管理及催收",1,"民法所稱就債之履行有利害關係的第三人，指清償與否會直接影響自身法律上權益的人，例如物上保證人、後順位抵押權人，以及抵押物的共有人；共有人若放任抵押權被實行，自己的應有部分將隨之遭拍賣，法律上利害關係十分明確，故 (C) 正確，其代為清償後可依法承受債權人對債務人的權利。(A) 配偶、(B) 三親等以內血親、(D) 二親等以內姻親，與借款人只有身分或情感上的牽連，不會因債務未清償而直接喪失自己的財產權，屬無利害關係的第三人；其清償若債務人表示異議，債權人得予拒絕，也不當然發生法定代位效果。","medium",[23,27,30,34,38,42],{"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":10},"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？",{"id":31,"question":32,"qno":33},"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":35,"question":36,"qno":37},"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":39,"question":40,"qno":41},"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":43,"question":44,"qno":45},"credit_prac-45-074","有關「查封」之敘述，下列何者正確？",74,1785146815108]