[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-credit_prac-47-078":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","c5",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":17,"explanation":19,"difficulty":20},"credit_prac-47-078","47",78,"甲提供不動產向 A 銀行申貸短期放款，甲的債權人主張債權，聲請法院扣押了該不動產，放款屆期後，甲請求 A 銀行准予轉期，A 銀行該如何處理？",[13,14,15,16],"可以准予辦理借新還舊","可以用增補契約的方式辦理，但是不准辦理借新還舊","不准用任何方式辦理","可以用借新還舊、增補契約或展期的任一方式辦理",1,"事後管理及催收","擔保品已被其他債權人聲請法院扣押，銀行處理轉期最怕的就是動搖原債權與抵押權的同一性。以增補契約約定延長清償期，債權還是原來那一筆，設定在先的抵押權繼續有效，優先受償順位不受扣押影響，故 (B) 正確。反之，借新還舊等於用新貸款清償舊債務，舊債權消滅、新債權另生，原抵押權所擔保的債權已不存在，在扣押已生效的情況下，銀行極可能喪失原有的優先地位，反讓其他債權人得利。(A) 與 (D) 都包含借新還舊，風險相同。(C) 一概不准處理過於僵化，實務上仍可用增補契約辦理並加強其他保全措施。","hard",[22,26,30,34,38,42],{"id":23,"question":24,"qno":25},"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":27,"question":28,"qno":29},"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":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？",74,1785146815171]