[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-credit_prac-48-076":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-48-076","48",76,"甲向銀行借款 200 萬元，期限 10 年，繳款 5 年後，甲無力繳款，若依主管機關免列報逾期放款之規定，銀行可同意其分期償還之最長期限為何？",[13,14,15,16],"5 年","10 年","15 年","20 年",1,"事後管理及催收","依銀行資產評估損失準備提列及逾期放款催收款呆帳處理辦法第 7 條，原係中長期放款者，協議分期償還期限以原殘餘年限之二倍為限，最長不得超過三十年，且須依協議履行六個月以上、協議利率不低於原承作利率或同類風險放款利率，才可免列報。甲的借款原期限 10 年、已繳 5 年，殘餘年限＝10－5＝5 年，最長分期期限＝5×2＝10 年，故選 (B)；10 年已超過 5 年，不必適用殘餘年限二倍未滿五年得延長為五年的特例。(A) 5 年只是殘餘年限本身；(C) 15 年與 (D) 20 年都超過二倍上限。","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？",74,1793070620688]