[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-deriv_prac-18-048":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-18-048","18",48,"銀行辦理新種衍生性金融商品，下列敘述何者錯誤？",[13,14,15,16],"應訂定內部審查作業規範","新種商品之審查小組應包括各相關部門之權責，並依審查作業規範審查","新種複雜性高風險商品，經審查小組審查通過後即可辦理","新種複雜性高風險商品，經審查小組審查後，應提報董（理）事會或常務董（理）事會通過",2,"衍生性商品相關法規",1,"新種商品上架前的內部把關採兩層設計。一般新種衍生性金融商品，銀行應訂定內部審查作業規範，並由涵蓋交易、風控、法遵、會計等相關部門的審查小組依規範審查，故 (A)(B) 正確。但新種商品若屬複雜性高風險商品，因客戶潛在損失巨大、爭議風險高，僅有審查小組通過並不足夠，還必須再提報董（理）事會或常務董（理）事會通過，把決策責任拉到最高治理層級，所以 (D) 正確、而 (C) 說審查小組通過即可辦理是錯誤敘述，為本題答案。判斷訣竅：只要看到「複雜性高風險」五個字，內部程序一律加嚴一級。","medium",[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-18-009","銀行不得與下列何類客戶辦理複雜性高風險商品？",9,1785157762233]