[{"data":1,"prerenderedAt":45},["ShallowReactive",2],{"q-bank_audit_prac-47-078":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","c12",{"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-47-078","47",78,"下列何者非屬銀行為法人客戶辦理衍生性金融商品開戶時，所必須徵取之文件？",[13,14,15,16],"交易約定書","印鑑卡","財務報表","有權交易人員授權書",2,"衍生性金融商品業務查核",1,"銀行為法人客戶承作衍生性金融商品並辦理開戶時，必須徵取的是能確認交易主體、用印真偽與下單權限的文件：(A)交易約定書載明雙方的權利義務與商品條件；(B)印鑑卡供日後核對客戶用印，防止冒用；(D)有權交易人員授權書則確認何人有權代表法人下單，避免無權人擅自交易，這三者都是開戶當下不可或缺的基本文件。至於(C)財務報表，主要用於評估客戶的財務狀況、信用風險與承作額度，屬於徵信與授信審查的參考資料，並非開戶程序中必須徵取的文件，故答案為(C)。作答時應注意開戶必備文件與徵信評估資料在功能上的區別。","medium",[23,27,31,34,38,41],{"id":24,"question":25,"qno":26},"bank_audit_prac-47-080","銀行已取得辦理衍生性金融商品業務之核准者，除負面表列之商品外，得開辦各種衍生性金融商品及其商品之組合，並需於開辦後幾日內，檢附商品特性說明書等資料報送金管會？",80,{"id":28,"question":29,"qno":30},"bank_audit_prac-48-058","依主管機關規定，有關得以書面向銀行申請成為辦理衍生性金融商品業務之專業自然人客戶之必要條件，下列何者非屬之？",58,{"id":32,"question":33,"qno":10},"bank_audit_prac-48-078","依「銀行辦理衍生性金融商品業務內部作業制度及程序管理辦法」規定，辦理衍生性金融商品業務之銀行，最近一季底逾期放款比率高於多少時，所辦理之衍生性金融商品，應以避險目的為限？",{"id":35,"question":36,"qno":37},"bank_audit_prac-48-079","有關銀行從事衍生性金融商品之交易，下列敘述何者錯誤？",79,{"id":39,"question":40,"qno":26},"bank_audit_prac-48-080","有關銀行辦理衍生性金融商品交易，下列敘述何者錯誤？",{"id":42,"question":43,"qno":44},"bank_audit_prac-49-059","銀行向一般客戶提供衍生性金融商品交易服務，下列敘述何者錯誤？",59,1787293936038]