[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-bank_audit_prac-48-051":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-48-051","48",51,"為落實商品適合度政策，應就「個人類型」客戶審認之事項，下列何者錯誤？",[13,14,15,16],"投資目標及期間","風險承受度","對商品之知識及經驗","商品之保本程度",3,"財富管理業務查核",1,"為落實商品適合度政策，就『個人類型』客戶所應審認的事項，重點在於了解客戶端的條件與屬性，包括(A)投資目標及期間、(B)風險承受度、(C)對商品的知識及經驗，藉以判斷客戶是否有能力理解並承受某項商品的風險，作為商品是否適合該客戶的依據。反觀(D)商品之保本程度，指的是商品本身的特性（如保本或不保本），屬於對『商品』進行分類與風險分級的要素，而不是用來審認『客戶』的項目，故答案為(D)。作答關鍵在於分清適合度政策的兩端：一端是了解客戶、一端是了解商品，本題問的是客戶端應審認的事項，商品保本程度屬於商品端，因而是錯誤選項。","medium",[23,26,30,34,38,42],{"id":24,"question":25,"qno":10},"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？",{"id":27,"question":28,"qno":29},"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":31,"question":32,"qno":33},"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":35,"question":36,"qno":37},"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":39,"question":40,"qno":41},"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":43,"question":44,"qno":45},"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？",56,1787293936653]