[{"data":1,"prerenderedAt":45},["ShallowReactive",2],{"q-senior_fin_s2-8-022":3},{"exam":4,"examName":5,"chapterSlug":6,"question":7,"related":21},"senior_fin_s2","高齡金融規劃顧問師資格測驗——第二節","c4",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":17,"explanation":19,"difficulty":20},"senior_fin_s2-8-022","8",22,"有關信託業建立非專業投資人商品適合度之作業程序，下列敘述何者錯誤？",[13,14,15,16],"辦理客戶風險承受等級分類作業時，應以電腦系統方式控管","應有事後監控機制，例如經辦理人員確認或對客戶作抽樣調查","判斷客戶之風險承受等級時，法人客戶得由其指定之有權代理人代表該法人受評估","訂定客戶風險承受等級分類時，應至少劃分為高風險、中風險及低風險之三個等級",1,"信託重要法規與信託實務","官方答案為 (B)，即該敘述錯誤。依信託業建立非專業投資人商品適合度制度的規範，客戶風險承受等級的評估與商品風險屬性的比對，應以電腦系統控管方式於交易前確實把關，屬事前控管；抽樣調查僅屬輔助查核手段，不足以作為適合度作業的事後監控依據，把「經辦理人員確認或對客戶抽樣調查」當成監控機制即與規範要求不符。(A) 風險承受等級分類作業應以電腦系統控管，敘述正確。(C) 法人客戶得由其指定之有權代理人代表受評估，符合實務。(D) 客戶風險承受等級至少應劃分為高、中、低三個等級，亦與規定相符。","hard",[22,26,30,34,38,41],{"id":23,"question":24,"qno":25},"senior_fin_s2-10-017","除公益信託外，下列何者為民事信託之監督機關？",17,{"id":27,"question":28,"qno":29},"senior_fin_s2-10-018","信託行為有害於委託人之債權人權利者，下列何者可以聲請法院撤銷之？",18,{"id":31,"question":32,"qno":33},"senior_fin_s2-10-019","受託人將信託財產轉為自有財產，或於該信託財產上設定或取得權利者，委託人、受益人或其他受託人得請求將其所得利益歸於信託財產，其請求權自委託人或受益人知悉之日起幾年內不行使而消滅？",19,{"id":35,"question":36,"qno":37},"senior_fin_s2-10-020","有關信託受益人享有信託利益之權利，即信託受益權，下列敘述何者正確？",20,{"id":39,"question":40,"qno":10},"senior_fin_s2-10-022","有關企業員工福利信託對員工的好處，下列敘述何者錯誤？",{"id":42,"question":43,"qno":44},"senior_fin_s2-10-026","我國信託法第 21 條及第 53 條分別規定，未成年人、受監護或輔助宣告之人及破產人，不得為信託關係中的何種人？",26,1784944959279]