[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-credit_prac-48-013":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-48-013","48",13,"依民法規定，就連續發生之債務為保證而未定有期間者，下列敘述何者正確？",[13,14,15,16],"連帶保證人得主張先訴抗辯權","主債務人已受破產宣告，推定保證人亦受破產宣告","保證人對於終止保證契約通知到達債權人後所發生主債務人之債務，不負保證責任","當主債務人之財產不足清償債務時，應先對主債務人請求後，才能對連帶保證人請求",2,"基礎授信",1,"民法第七百五十四條規定，就連續發生之債務為保證而未定有期間者，保證人得隨時通知債權人終止保證契約；終止後，保證人對於通知到達債權人後所發生主債務人之債務，不負保證責任，故 (C) 正確。(A) 錯，連帶保證人與主債務人負連帶責任，本來就不享有先訴抗辯權。(B) 錯，民法並沒有主債務人破產即推定保證人破產的規定；依第七百四十六條，主債務人受破產宣告時，只是保證人不得主張先訴抗辯權。(D) 錯，債權人對連帶保證人可直接請求清償，不必先向主債務人請求。","medium",[23,26,30,34,38,42],{"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":29},"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":31,"question":32,"qno":33},"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":35,"question":36,"qno":37},"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":39,"question":40,"qno":41},"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":43,"question":44,"qno":45},"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？",8,1793070619967]