[{"data":1,"prerenderedAt":25},["ShallowReactive",2],{"q-fin_plan_prac-48-002":3},{"exam":4,"examName":5,"chapterSlug":6,"question":7,"related":21},"fin_plan_prac","理財規劃人員專業能力測驗——理財規劃實務","c1",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":17,"explanation":19,"difficulty":20},"fin_plan_prac-48-002","48",2,"下列何者違反理財規劃人員的道德規範與紀律？",[13,14,15,16],"客戶利益優先","期約客戶收益分潤","確保客戶資料保密","提供客戶必要之資訊",1,"理財規劃概論","理財規劃人員應以客戶利益為優先、確保客戶資料保密、並提供客戶必要且正確的資訊，(A)(C)(D)皆屬應遵守的道德規範。(B)與客戶約定分享投資收益即所謂期約分潤，會使人員因追求分潤而傾向承作高風險或有利益衝突的交易，損及客戶利益並違反公正獨立原則，屬違反道德規範與紀律的行為，故答案為(B)。此題核心在於辨識利益衝突：凡使從業人員報酬與客戶投資結果掛鉤的約定，都可能扭曲專業判斷而被禁止。","easy",[22],{"id":23,"question":24,"qno":17},"fin_plan_prac-48-001","銀行辦理財富管理業務，涉及外匯業務之經營者，應經下列何者之同意？",1787293952451]