[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-credit_prac-48-048":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","c3",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":17,"explanation":19,"difficulty":20},"credit_prac-48-048","48",48,"銀行開發未明確記載有效日期之保證書，下列何種情形不得視為解除保證責任？",[13,14,15,16],"保證書正本已退還時","保證書開發之日期已超過 1 年且保證之理由尚未消滅時","已照會國外通匯銀行，並經其回覆確認受益人同意解除保證責任時","已取得債務人償還債務之證明時",1,"外匯授信","保證書若未記載有效日期，銀行的保證責任並不會因時間經過而自動消滅，只要被保證的債務或理由仍然存在，受益人隨時都可以求償。因此 (B) 開發日期雖已超過 1 年，但保證之理由尚未消滅，銀行仍須負責，不能視為解除保證。其餘三者都足以證明受益人已無求償基礎：(A) 保證書正本退還，表示受益人不再持憑請求；(C) 經國外通匯銀行回覆確認受益人同意解除，等於受益人明示放棄；(D) 取得債務人已償還債務的證明，主債務消滅，從屬的保證責任也隨之消滅。","medium",[22,26,30,34,38,42],{"id":23,"question":24,"qno":25},"credit_prac-45-041","「外匯短缺而對外債之支付或匯款限制、禁止」屬下列何種風險？",41,{"id":27,"question":28,"qno":29},"credit_prac-45-042","下列何者係屬銀行之外匯授信業務？",42,{"id":31,"question":32,"qno":33},"credit_prac-45-043","銀行在辦理開發進口信用狀，向客戶收取保險單時，下列何者有瑕疵？",43,{"id":35,"question":36,"qno":37},"credit_prac-45-044","下列何者屬於外匯間接授信項目？",44,{"id":39,"question":40,"qno":41},"credit_prac-45-045","出口商得以下列何種交易方式項下之匯票及單據，向銀行申請承作 FORFAITING 業務？",45,{"id":43,"question":44,"qno":45},"credit_prac-45-046","Import Factor 買入出口商對進口商之應收帳款債權，所承擔之風險不包括下列何項？",46,1793070620380]