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灰飞翔的猫 · 2025年02月10日

这道题

NO.PZ2023021602000064

问题如下:

Ileana Inkster, CFA, was recently offered a senior management position within the trust department at a regional bank. The department is new, but the bank has plans to expand it significantly over the next few months. Inkster has been told she will be expected to help grow the client base of the trust department. She is informed that the trust department plans to conduct educational seminars and pursue the attendees as new clients. Inkster notices that recent seminar advertisements prepared by the bank's marketing department do not mention investment products will be for sale at the seminar. The ads indicate attendees can "learn how to immediately add $100,000 to their net worth." What should Inkster most likely do to avoid violating any CFA Institute Standards of Professional Conduct?

选项:

A.Decline to accept the new position

B.Accept the position and inform senior management of inadequate compliance procedures

C.Accept the position and revise the marketing material

解释:

The prospective supervisor's first step should be to not take the position. Accepting the position with inadequate procedures in place or improper marketing material would leave Inkster at risk of incurring a violation of Standard IV(C)–Responsibilities of Supervisors. She could agree to be hired as an interim consultant with the bank in order to implement adequate procedures before taking on any supervisory role.

我想问下这道题和监管者的职责有什么联系么?不太理解题干

1 个答案

王暄_品职助教 · 2025年02月10日

题干中提到,Ileana Inkster被提供了一个高级管理职位,这个职位要求她帮助信托部门增长客户基础。作为高级管理者,Inkster将承担起监管的职责,包括确保部门的业务操作和营销活动符合相关法规和道德标准。


题干中的关键问题是,银行营销部门准备的研讨会广告存在误导性,没有提及研讨会上会推销投资产品,却声称参会者可以“立即增加10万美元的净值”。这种不准确的营销材料可能违反CFA的要求。


因此,Inkster作为即将上任的监管者,需要考虑到接受这个职位后可能面临的合规风险。如果她接受职位而不指出并纠正这些问题,她可能会因为未能履行监管职责而违反IV(C)监管者的职责。所以,最安全的做法是,在担任监管角色之前,先确保营销材料和其他业务操作符合相关法规和道德标准。这就是为什么选项A(拒绝接受新职位)或提出作为临时顾问先实施充分程序(虽未直接作为选项给出,但符合监管者职责的考量)是合理的考虑方向。选项B和C都涉及直接参与可能存在问题的业务操作,这会增加Inkster违反道德准则的风险。

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