[{"data":1,"prerenderedAt":45},["ShallowReactive",2],{"q-deriv_prac-19-002":3},{"exam":4,"examName":5,"chapterSlug":6,"question":7,"related":21},"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":10,"chapter":17,"freq":18,"explanation":19,"difficulty":20},"deriv_prac-19-002","19",2,"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所稱複雜性高風險商品，係指具有結算或比價期數超過多少期且隱含賣出選擇權特性之衍生性金融商品？",[13,14,15,16],"1 期","2 期","3 期","4 期","衍生性商品相關法規",1,"複雜性高風險商品的定義同時要滿足兩個要件：一是結算或比價期數超過三期，二是隱含賣出選擇權特性，故 (C) 正確。之所以鎖定這兩點，是因為期數愈多代表客戶被綁住的時間愈長，而隱含賣出選擇權表示客戶收了權利金卻承擔了理論上難以估計的損失，兩者相乘就是目標可贖回遠期契約這類商品讓企業戶鉅額虧損的成因。被歸類為複雜性高風險商品後，銀行在客戶適合度、期初保證金、損失上限、董事會核准與定期評估上都要適用加嚴規定。(A)(B) 期數門檻太低會把單純的短期避險商品也掃進來，(D) 則放寬過頭，均與辦法所定不符。","medium",[22,25,29,33,37,41],{"id":23,"question":24,"qno":18},"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":26,"question":27,"qno":28},"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":30,"question":31,"qno":32},"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":34,"question":35,"qno":36},"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":38,"question":39,"qno":40},"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":42,"question":43,"qno":44},"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？",9,1785157762407]