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saimeiei · 2020年11月24日

问一道题:NO.PZ201604030300004405

* 问题详情,请 查看题干

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.

老师,C选项的要求是及时、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

3 个答案
已采纳答案

Debrah_品职答疑助手 · 2020年11月26日

同学你好,我之前都回答过了,请仔细理解一下~~

咱们的与客户沟通,强调的是要如实披露投资的一切信息。

客户的账户情况变化,适用的是III(C)Suitability这一条。Updating the IPS should be repeated at least annually and also prior to material changes.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 

Debrah_品职答疑助手 · 2020年11月27日

同学你好,针对你的追问,communcation里的及时这个点也是针对整个投资过程的,这里是客户自身有重大改变,无论是否及时,都不涉及communication。及时不及时根本不用纠结communication这个点。及时这个点是在suitability这个下面。不用再纠结了同学~~

Debrah_品职答疑助手 · 2020年11月24日

嗨,爱思考的PZer你好:


关于C选项,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

之所以选择A,是因为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 


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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?

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2020-10-31 16:25 2 · 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

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