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粉红豹 · 2020年10月31日

问一道题:NO.PZ201604030300004405

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问题如下:

5. In the eighteen months following Brown’s change in financial situation, Klein is least likely to have violated the Standard relating to:

选项:

A.

loyalty, prudence, and care.

B.

diligence and reasonable basis.

C.

communication with clients and prospective clients.

解释:

C is correct.

In the months following Brown’s change in financial status, Klein is least likely to violate Standard V(B) relating to communication with clients because he disclosed the basic format and other pertinent information regarding PlusAccounts and he distinguished between fact and opinions. During the time period, Klein does not make any new recommendations to Brown and thus is least likely to violate the Standard relating to Communication with Clients and Prospective Clients. During the period, Klein is in jeopardy of violating several other standards including those relating to Loyalty, Prudence, and Care; Suitability; and Diligence and Reasonable Basis. Because of the fee structure, PlusAccount status is not suitable for a client who trades infrequently. Klein neglects his duty of loyalty, prudence, and care by maintaining the PlusAccount Status for more than one year after Brown’s change in trading activity. A diligent review of the account would indicate whether a client has a reasonable basis for maintaining PlusAccount status. Thus, Klein is most likely to violate Standards III(A), III(C), and V (A) during the period in question.

在经典题讲解中,该case何老师讲了其他5道小题,独独没有讲这一道小题,是因为这道小题有问题,有争议吗??能否帮忙讲一下这道题的解题思路?

2 个答案

王暄_品职助教 · 2020年11月02日

同学你好,之前很多同学提问为何会跟忠诚有关系。所以着重解释了A。我之前的回答,证明A是违反的,所以我们不选A

那继续给同学分析B和C选项:

B:这财富经理的错误是:该财富经理没有很好的尽职调查客户,而导致客户在身体状况不行的情况下,继续使用该账户的时间大于一年,是违反diligence and resonable basis & suitable这条。所以也不选B

C:他在和这位客户沟通时候,是没毛病的,没有骗他,或者隐藏什么关于账户的其他信息、或者是没有分清观点和事实,所以C选项没有违反,则选C

王暄_品职助教 · 2020年11月01日

嗨,努力学习的PZer你好:


18个月之后,Brown很少进行交易,且持续期超过一年,说明PlusAccount已经不适合Brown,但是Klein依然把他放在PlusAccount里。这违反了III(C)suitability。由于III(A)是第三条准则的总纲领,只要违反第三条准则中的任意一条,都会违反III(A)。所以本题violate III(A):Loyalty, prudence and care


-------------------------------
虽然现在很辛苦,但努力过的感觉真的很好,加油!


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NO.PZ201604030300004405 助教说只要只要违反第三条准则中的任意一条,都会违反III(A),所以本题violate III(A):Loyalty, prunancare。不记得何老师上课有过这种说法啊?只要违反任意一条准则中的某一条,就同时违反了这条准则的A条?这种理解方式是对的吗?

2021-09-29 20:48 1 · 回答

老师,C的要求是及时、全面、如实的和客户沟通,但是他并没有及时和客户沟通,导致1年之后再看,客户的情况已经非常不好了啊

2020-11-24 12:41 3 · 回答

这题感觉有点牵强啊,如果说他没有lligent 调研发现客户已经不适合该基金,那也可以说他在communicaiton的时候没有告诉客户这个事儿 这不算违法communication with Clients 吗??

2020-09-28 05:06 1 · 回答

ligenanreasonable basis. communication with clients anprospective clients. C is correct. In the months following Brown’s change in financistatus, Klein is least likely to violate StanrV(relating to communication with clients because he sclosethe basic formanother pertinent information regarng PlusAccounts anhe stinguishebetween faanopinions. ring the time perio Klein es not make any new recommentions to Brown anthus is least likely to violate the Stanrrelating to Communication with Clients anProspective Clients. ring the perio Klein is in jeopar of violating severother stanr inclung those relating to Loyalty, Prunce, anCare; Suitability; anligenanReasonable Basis. Because of the fee structure, PlusAccount status is not suitable for a client who tras infrequently. Klein neglects his ty of loyalty, prunce, ancare maintaining the PlusAccount Status for more thone yeafter Brown’s change in trang activity. A ligent review of the account woulincate whether a client ha reasonable basis for maintaining PlusAccount status. Thus, Klein is most likely to violate Stanr III(A), III(C), anV (ring the perioin question. A不懂,忠诚度跟这个有啥关系

2020-05-16 23:24 1 · 回答