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wyrw · 2024年10月19日

吃饭的事情是否违反独立客观性条款

NO.PZ2023021602000070

问题如下:

Noor Hussein, CFA, runs a financial advisory business, specializing in retirement planning and investments. One of her clients asks her to advise the firm's pension fund trustees on available investments in the market including Islamic products. On the day prior to the meeting, Hussein spends an hour familiarizing herself with Islamic investment products and getting updates on local market conditions. The next day, she recommends Islamic investment products to the trustees based on her research and her expertise in retirement planning and investments. The trustees subsequently incorporate Islamic products into their investment allocation. Did Hussein's basis for the recommendation most likely comply with the CFA Code of Ethics?

选项:

A.Yes. B.No, with regard to Misconduct. C.No, with regard to Diligence and Reasonable Basis.

解释:

C is correct because Hussein did not likely act with competence and diligence as required by Standard V(A). One half day of preparation with regard to Islamic investment products would not likely be considered sufficient to give investment advice to pension plan trustees. Misconduct was not violated by Hussein stating she is an expert in retirement planning and investments because this is the area she specializes in.A is incorrect because Hussein did not likely act with competence and diligence as required by Standard V(A). One half day of preparation with regard to Islamic investment products would not likely be considered sufficient to give investment advice to pension plan trustees.B is incorrect because it is not likely she violated Standard I(D)-Misconduct, i.e., conduct involving dishonesty, fraud, and/or deceit by stating she is an expert in retirement planning and investments.

和推荐的公司吃饭这个情况是否有违反独立客观性条款

2 个答案

王暄_品职助教 · 2024年10月20日

本题是因为1天的产品熟悉时间认为不符合勤勉尽责,一般产品的调查熟悉需要多久的时间是合理的

通常题目不会使用几天,会使用类似“detailed”“thorough”这种表示程度的词语来形如他的工作是负责的;如果使用了“1天”或者“immediately”这种极端的词,则表示调查一定不负责。

王暄_品职助教 · 2024年10月19日

考虑到“推荐的公司吃饭”这一额外情况,我们需要评估这是否影响了Hussein的独立性和客观性。

I(B) 独立性和客观性要求CFA持证人在提供专业服务时,保持独立性和客观性,不受任何可能影响其判断的因素影响。

如果“推荐的公司”是指与Hussein有某种利益关系(如佣金、回扣等)的公司,并且这种利益关系足以影响她的推荐决策,那么接受该公司的宴请就可能构成对独立性和客观性的违反。因为这样的宴请可能被视为一种利益输送,导致Hussein在推荐时偏向于该公司,而不是基于客户的最佳利益。

如果“推荐的公司”与Hussein没有直接的利益关系,或者宴请的目的是纯粹的商务交流,且没有涉及任何可能影响其独立性和客观性的因素,那么接受宴请可能并不构成违反。

综上所述,是否违反独立性和客观性条款取决于“推荐的公司”与Hussein之间的关系以及宴请的性质和目的。如果存在可能影响其独立性和客观性的利益关系,那么接受宴请就可能构成违反。如果不存在这样的利益关系,且宴请是出于正当的商务目的,那么可能并不构成违反

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