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Sofia nice · 2024年08月13日

不爽

  1. CFA I
  2. Ethics

NO.PZ2018062009000015

问题如下：

Albert is an investment adviser and Jessica is a new client of Albert. Before they met each other, Albert communicated with Jessica about the issues of investment by telephone. After the few minutes communication, Albert recommended Jessica to invest large-cap equities which met Jessica's requirement. Which of the following descriptions about Albert's performance is most accurate?

选项：

A.

Albert should make a reasonable inquiry into Jessica's investment experience, risk and return objectives and constraints in finance before making any recommendations.

B.

Albert should illustrate his qualifications and his past performance accurately before the recommendation.

C.

Albert should disclose the reasonable basis on his recommendation to Jessica at first.

解释：

A is correct.

Albert violated Standard III(C) Suitability. Albert should make a reasonable inquiry into Jessica's investment experience, risk and return objectives and constraints in finance before making any recommendations. A few minutes telephone call is obviously not enough for an investment adviser to know his client perfectly.

Albert违反了准则III(C). Albert应该在做出建议之前全面了解Jessica的投资经历、风险容忍力、投资目标及限制。而短短几分钟的电话交流很明显无法让投资经理很好的了解客户。

1、few不行，如果是 a few呢？或者many

2、我看题目说满足met需求，再加上之前都是电话沟通投资，只是没见面而已。很容易让人觉得已经了解过客户IPS了

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1 个答案

王暄_品职助教 · 2024年08月14日

关于您的问题，我们可以这样分析：

  1. 对于“few”和“a few”以及“many”的区别：
  • “few”表示“几乎没有”，强调数量很少，几乎可以忽略不计。
  • “a few”表示“有一些”，虽然数量不多，但确实存在。
  • “many”表示“许多”，强调数量较多。

在这个情境中，即使使用“a few”或“many”来描述电话交流的时间或次数，这仍然不足以证明Albert已经全面了解了Jessica的投资经历、风险容忍力、投资目标及限制。因为了解这些信息需要深入的沟通和交流，而不仅仅是几次电话交流。所以，无论使用“few”、“a few”还是“many”，都不改变Albert需要更全面了解客户才能做出投资建议的事实。

  1. 对于题目中提到的“满足需求”和“电话沟通投资”：
  • 题目中确实提到Albert的推荐“满足了Jessica的要求”，但这并不意味着Albert已经全面了解了Jessica的投资需求和风险承受能力。可能Jessica自己对自己的需求有一定的了解，并且Albert的推荐恰好符合她的初步想法，但这并不等同于Albert已经进行了全面的客户调查。
  • 电话沟通投资确实是一种交流方式，但它可能不足以让Albert全面了解Jessica的详细情况。面对面的会议、详细的问卷调查、风险承受能力测试等都是更全面了解客户的方式。

综上所述，无论电话交流的时间长短或次数多少，都不改变Albert需要在做出投资建议之前全面了解客户的事实。因此，A选项仍然是最准确的描述。

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2022-09-29 10:50 1 · 回答