[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-deriv_prac-18-009":3},{"exam":4,"examName":5,"chapterSlug":6,"question":7,"related":22},"deriv_prac","衍生性金融商品銷售人員資格測驗——衍生性金融商品概論與實務","c3",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":19,"explanation":20,"difficulty":21},"deriv_prac-18-009","18",9,"銀行不得與下列何類客戶辦理複雜性高風險商品？",[13,14,15,16],"自然人客戶","以避險為目的之一般法人客戶","專業機構投資人","高淨值投資法人",0,"衍生性商品相關法規",1,"複雜性高風險商品多半隱含客戶賣出選擇權、槓桿倍數與多期比價設計，市場一旦反向，潛在損失遠大於收到的權利金，風險高度不對稱。法規因此直接從交易對象端劃線：(A) 自然人客戶不論財力多雄厚，都不得承作這類商品，屬絕對禁止，沒有簽了風險預告書就放行的空間。(B) 一般法人若以避險為目的，背後有真實部位需要對沖，在符合期限與比價次數等條件下仍可承作。(C) 專業機構投資人與 (D) 高淨值投資法人具備專業判斷力與損失承受度，更是這類商品的主要適格對象。核心記法：法人可能可以，自然人一律不行。","easy",[23,26,30,34,38,42],{"id":24,"question":25,"qno":19},"deriv_prac-18-001","指定銀行辦理外匯衍生性金融商品業務，下列何項交易得逕行辦理毋須向央行申請？",{"id":27,"question":28,"qno":29},"deriv_prac-18-003","依銀行辦理衍生性金融商品業務內部作業控制及程序管理辦法規定，銀行應每年重新檢視客戶屬性評估及分級結果之辦理時點，對於既有客戶得予延長至交易額度評估作業同時辦理，並經客戶確認，但最多不得超過幾個月？",3,{"id":31,"question":32,"qno":33},"deriv_prac-18-006","有關銀行向金融監督管理委員會申請核准辦理衍生性金融商品業務時所需符合之規定，下列敘述何者錯誤？",6,{"id":35,"question":36,"qno":37},"deriv_prac-18-007","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，所稱之專業客戶，不包括下列何者？",7,{"id":39,"question":40,"qno":41},"deriv_prac-18-008","銀行與一般客戶之交易糾紛，無法依照銀行內部申訴處理程序完成和解者，客戶得向下列何者申請評議？",8,{"id":43,"question":44,"qno":45},"deriv_prac-18-010","關於衍生性金融商品部位之評價頻率，其為銀行本身業務需要辦理之避險性交易者，應：",10,1785157761790]