问题 单项选择题

借款人文华公司以自己公司所有的办公大楼作抵押向某工商银行贷款100万元,现贷款到期,文华公司无力偿还。该工商银行因依法行使抵押权而取得了作为抵押物的办公大楼,该工商银行应当自取得之日起( )。内予以处分。

A.2年

B.1年

C.180天

D.60天

答案

参考答案:A

解析:《商业银行法》第42条规定:借款人应当按期归还贷款的本金和利息。借款人到期不归还担保贷款的,商业银行依法享有要求保证人归还贷款本金和利息或者就该担保物优先受偿的权利。商业银行因行使抵押权、质权而取得的不动产或者股票,应当自取得之日起二年内予以处分……。依此,本题只有B项是正确答案。

单项选择题
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