[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-bank_audit_cf_prac-48-035":3},{"exam":4,"examName":5,"chapterSlug":6,"question":7,"related":21},"bank_audit_cf_prac","銀行內部控制與內部稽核測驗(消費金融)——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":17,"explanation":19,"difficulty":20},"bank_audit_cf_prac-48-035","48",35,"銀行辦理財富管理業務時，在考慮客戶某項商品轉換交易之應注意事項，下列何因素不需納入？",[13,14,15,16],"客戶有無因此就原商品之結清遭到處罰","新商品之佣金手續費收入","客戶有無因此負擔交易成本，卻無實質利益之獲得","新商品是否適合該客戶",1,"財富管理業務查核","商品轉換的審視重點全在「對客戶是否有利」:(A) 結清原商品會不會被罰、(C) 是否白白負擔交易成本卻無實質利益、(D) 新商品適不適合客戶,都必須納入考量。(B) 銀行能賺多少佣金手續費是銀行自身利益,若拿來當轉換考量反而構成不當銷售,故選 (B)。","easy",[22,26,30,34,38,42],{"id":23,"question":24,"qno":25},"bank_audit_cf_prac-47-036","小蔡預計二年後退休，目前有 300 萬銀行存款，該存款為支應其退休後之生活資金，理財業務人員應建議其投資下列何種商品為佳？",36,{"id":27,"question":28,"qno":29},"bank_audit_cf_prac-47-037","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？",37,{"id":31,"question":32,"qno":33},"bank_audit_cf_prac-47-038","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？",38,{"id":35,"question":36,"qno":37},"bank_audit_cf_prac-47-039","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",39,{"id":39,"question":40,"qno":41},"bank_audit_cf_prac-47-040","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？",40,{"id":43,"question":44,"qno":45},"bank_audit_cf_prac-47-041","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？",41,1784190252981]