[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-bank_audit_prac-47-057":3},{"exam":4,"examName":5,"chapterSlug":6,"question":7,"related":22},"bank_audit_prac","銀行內部控制與內部稽核測驗(一般金融)——銀行內部控制與內部稽核","c8",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":19,"explanation":20,"difficulty":21},"bank_audit_prac-47-057","47",57,"為符合「適當性(Suitability)原則」 ，針對財富管理個人類型客戶應審視之事項，下列何者非屬之？",[13,14,15,16],"投資目標及期間","年齡狀況","教育狀況","財務狀況",2,"財富管理業務查核",1,"適當性(Suitability)原則要求業者依客戶的財務狀況與投資屬性,推介適合的商品。針對財富管理的個人類型客戶,應審視投資目標及期間、年齡狀況、財務狀況等與風險承受度直接相關的事項;(C)教育狀況並非適當性評估的必要審視項目,故答案為(C)非屬。說明其餘選項為何屬於應審視事項:(A)投資目標及期間決定商品的風險屬性與期間配置;(B)年齡狀況影響風險承受能力與投資年限;(D)財務狀況反映客戶可承擔損失的能力,三者都是評估適合度的核心考量。理解此題的重點,在於掌握適當性(KYC,了解你的客戶)所側重的財務與風險屬性面向,教育程度雖可能影響商品理解,但非適當性評估的法定必要項目。稽核時應查核客戶風險屬性評估表是否完整涵蓋上述核心要素。","medium",[23,27,31,35,39,43],{"id":24,"question":25,"qno":26},"bank_audit_prac-47-051","銀行辦理財富管理業務時，有關法令之遵循，下列敘述何者錯誤？",51,{"id":28,"question":29,"qno":30},"bank_audit_prac-47-052","銀行辦理財富管理業務，對於客戶申訴之適當處理程序，下列敘述何者錯誤？",52,{"id":32,"question":33,"qno":34},"bank_audit_prac-47-053","財富管理業務係以諮詢意見之提供為中心，服務範圍可包括下列何者？ A.所有銀行業務 B.兼營信託業務 C.其他保險、證券相關業務",53,{"id":36,"question":37,"qno":38},"bank_audit_prac-47-054","有關「財富管理顧問業務」在客戶對商品所知有限下所為之銷售，下列程序何者非屬之？",54,{"id":40,"question":41,"qno":42},"bank_audit_prac-47-055","財富管理從業人員自律規範中，妥慎保管客戶資料，禁止洩露機密資料或有不當使用之情事，以建立客戶信賴之基礎，屬於何種原則？",55,{"id":44,"question":45,"qno":46},"bank_audit_prac-47-056","下列何者應在理財業務人員職業道德規範中明訂？",56,1787293935772]