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王子慕卿 · 2020年03月30日

问一道题:NO.PZ2016040303000025

问题如下:

Which of the following statements is a stated purpose of disclosure in Standard VI(C) Referral Fees?

选项:

A.

Disclosure will allow the client to request discounted service fees.

B.

Disclosure will help the client evaluate any possible partiality shown in the recommendation of services.

C.

Disclosure means advising a prospective client about the referral arrangement once a formal client relationship has been established.

解释:

B is correct.

Answer B gives one of the two primary reasons listed in the Handbook for disclosing referral fees to clients under Standard VI(C) –Referral Fees. (The other is to allow clients and employers to evaluate the full cost of the services.) Answer A is incorrect because Standard VI(C) does not require members or candidates to discount their fees when they receive referral fees. Answer C is inconsistent with Standard VI(C) because disclosure of referral fees, to be effective, should be made to prospective clients before entering into a formal client relationship with them.

C选项和B选项不是很懂

1 个答案

发亮_品职助教 · 2020年03月31日

嗨,爱思考的PZer你好:


关于Referral fees,可以以例子的形式记忆。

例如,银行的客户经理在推荐理财产品时,会给我们推荐外界基金公司的产品,这时候可能存在介绍费。如果说每卖出理财产品10万,基金公司会给银行的客户经理返还500块,那这个500块就是Referral fees。

这样的话,这个介绍费肯定会影响客户经理的独立客观性,原因是理论上推荐理财产品时,应该遵从Suitability,适合客户,客户利益最大化的原则,但现在因为存在介绍费,客户经理在推荐理财产品时,可能只会基于介绍费的多少。所以,这种可能会影响独立客观性的介绍费,一定要披露给所有的客户,以及潜在客户,并且是事先披露。


所以B选项完全正确。他是说,披露之后,有利于客户评估一下,Recommendation of servies(推荐的服务)是否是存在偏袒(Partiality),也就是不是基于独立客观的。

C选项错误,他说只有Formal client relationship has been estabilished,只有当客户关系建立时,才披露,这点完全错误。

事后披露等于说是把客户拉入坑了才披露介绍费,显然是不行的,需要在介绍产品时,也就是还是潜在客户(prospective clients)、建立客户关系之前,就要做到事先披露。


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