[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-fx_remit-46-012":3},{"exam":4,"examName":5,"chapterSlug":6,"question":7,"related":22},"fx_remit","初階外匯人員專業能力測驗——國外匯兌業務","c3",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":19,"explanation":20,"difficulty":21},"fx_remit-46-012","46",12,"如國外匯入匯款已解付，遇匯款行要求退匯，而受款人拒絕退還該款項時，解款行應如何處理？",[13,14,15,16],"自行代墊退回","請匯款行代墊退回","通知警察機關，請受款人退回款項","通知匯款銀行，請匯款人與受款人自行聯繫處理",3,"匯入匯款處理程序",1,"國外匯入匯款一經解付入帳，該款項所有權即歸屬受款人，若事後匯款行要求退匯而受款人拒絕退還，解款行並無強制自受款人帳戶取回的法律權源，只能通知匯款銀行，由匯款人與受款人自行聯繫協商處理，故（D）正確。（A）自行代墊退回、（B）請匯款行代墊退回，均使銀行承擔本應由當事人負擔的資金風險且無依據；（C）通知警察機關，在無涉犯罪事證下報警亦無從強制受款人返還，屬私權糾紛而非刑事案件，故皆不選。核心觀念是款項已解付後銀行退居通知地位。","medium",[23,27,30,34,38,42],{"id":24,"question":25,"qno":26},"fx_remit-45-011","SWIFT MT103 之電文結尾出現下列何者字句時，應查明是否另有相同之電文，以避免重複付款？",11,{"id":28,"question":29,"qno":10},"fx_remit-45-012","有關境外外國金融機構辦理匯入匯款結售時，下列何者正確？",{"id":31,"question":32,"qno":33},"fx_remit-45-013","解款行處理匯入匯款已解付而受款人拒絕退還款項時，後續由下列何者聯繫解決？",13,{"id":35,"question":36,"qno":37},"fx_remit-45-015","解匯行在辦理匯票解付時應查核之事項，下列何者錯誤？",15,{"id":39,"question":40,"qno":41},"fx_remit-45-016","依「銀行同業間加速解付國外匯入款作業要點」規定，跨行通匯申請書因內容不清或錯誤等情事，導致解款遲延、無法匯款或誤匯等，概由受益人或下列何者負責？",16,{"id":43,"question":44,"qno":45},"fx_remit-45-017","下列何者不是匯入匯款處理程序？",17,1787293944348]