[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-bank_audit_prac-48-050":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-48-050","48",50,"理財業務人員在為客戶進行理財規劃時，應以下列何者利益為最優先考量？",[13,14,15,16],"客戶","理財業務人員","銀行","政府",0,"財富管理業務查核",1,"理財業務人員為客戶進行理財規劃時，應秉持忠實義務與善良管理人的注意義務，將客戶的利益置於最優先地位，不得為了衝刺業績、賺取手續費或圖利自身與所屬機構而犧牲客戶權益，故答案為(A)客戶。(B)理財業務人員本身的利益若凌駕客戶之上，即構成利益衝突並違反忠實義務；(C)銀行的營收目標同樣不能凌駕客戶利益，否則易生不當銷售；(D)政府並非理財規劃時的直接利害關係人，更談不上優先考量。作答核心在於掌握財富管理『以客戶利益為優先』的基本原則，這也是商品適合度、利益衝突揭露等各項規範背後的共同精神。","easy",[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？",56,1787293936637]