[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-senior_fin_s1-8-048":3},{"exam":4,"examName":5,"chapterSlug":6,"question":7,"related":22},"senior_fin_s1","高齡金融規劃顧問師資格測驗——第一節","c4",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":19,"explanation":20,"difficulty":21},"senior_fin_s1-8-048","8",48,"當今社會常有業者先收取消費者款項後再提供遞延之服務，為保障消費者權益，法令要求業者需辦理預收款信託。而下列敘述何者正確？",[13,14,15,16],"該信託之委託人是業者，受益人是消費者","當消費者感受業者服務品質不佳時，可以向信託業求償","當業者宣告倒閉時，該信託受益權歸屬於未被履約之消費者","業者將預收款交付信託後，信託業者將款項存放於備償專戶",2,"信託重要法規與信託實務",1,"預收款信託是為處理禮券、生前契約、健身會員費等先收錢後給服務的履約風險而設,由業者交付預收款,受託之信託業依約管理,待業者依約履行後才撥付。當業者倒閉停業無法履約時,信託財產具獨立性,不屬業者破產財團,受益權歸屬於尚未被履約的消費者,故 (C) 正確。(B) 錯,服務品質是業者與消費者間的契約爭議,信託業僅負保管與依約撥付之責。(D) 錯,預收款應存入信託專戶依信託本旨管理,而非備償專戶。(A) 錯,此類預收款信託實務多為自益架構——委託人與受益人均為業者,消費者僅於業者無法履約時依契約機制受償,並非當然受益人。","hard",[23,27,31,35,39,43],{"id":24,"question":25,"qno":26},"senior_fin_s1-10-017","下列何者非信託業法第 16 條所規定，信託業可經營之業務項目？",17,{"id":28,"question":29,"qno":30},"senior_fin_s1-10-018","依信託業法規定，信託業應設立信託財產評審委員會，多久評審一次信託財產，並報告董事會？",18,{"id":32,"question":33,"qno":34},"senior_fin_s1-10-020","法人為增進公共利益，得經決議對外宣言為委託人及受託人，並邀公眾加入為委託人，屬何種信託？",20,{"id":36,"question":37,"qno":38},"senior_fin_s1-10-021","公益信託無正當理由連續幾年不為活動者，目的事業主管機關得撤銷其許可或為其他必要處置？",21,{"id":40,"question":41,"qno":42},"senior_fin_s1-10-026","有關遺囑信託的敘述，下列何者錯誤？",26,{"id":44,"question":45,"qno":46},"senior_fin_s1-10-027","有關共同受託人規範，下列何者錯誤？",27,1784944957516]