[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-deriv_prac-20-012":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-20-012","20",12,"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，提供結構型商品予何種類別客戶，銀行應提供客戶市價評估資訊？",[13,14,15,16],"屬自然人之一般客戶","一般客戶","屬自然人之專業客戶","屬法人之一般客戶",0,"衍生性商品相關法規",1,"市價評估資訊是要讓客戶知道手上的結構型商品現在值多少錢，規範把提供義務鎖定在最需要保護的一群，也就是屬自然人之一般客戶，故選 (A)。理由在於自然人既沒有專業團隊，也沒有取得市場報價的管道，結構型商品又常帶有提前贖回條件或本金損失的可能，若銀行不主動定期告知評價變化，客戶在到期前根本看不到虧損正在累積。(B) 把法人一般客戶也一併納入、(D) 只挑法人，都與規定的對象不符；(C) 專業客戶被認定有能力自行評估並取得報價，規範並未課予銀行相同的提供義務。","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？",9,1785157763255]