新金融商品開放之沿革(1)-資料下載頁(yè)
2025-02-13 16:04本頁(yè)面
【正文】 金融監(jiān)理變革 提昇金融機(jī)構(gòu)風(fēng)險(xiǎn)控管品質(zhì) 以銀行為例 ，辦理衍生性金融商品業(yè)務(wù)，應(yīng)訂定經(jīng)營(yíng)策略及作業(yè)準(zhǔn)則 25 ? 辦理衍生性金融商品業(yè)務(wù)之推廣文宣，應(yīng)清楚、公正及不誤導(dǎo)客戶。 ? 風(fēng)險(xiǎn)預(yù)告書應(yīng)於明顯處充分揭露各種風(fēng)險(xiǎn)。 ? 辦理衍生性金融商品業(yè)務(wù)，應(yīng)制定瞭解客戶（ Know your Customer） 制度。 ? 以存款名稱辦理與存款連結(jié)之衍生性金融商品時(shí)，仍應(yīng)符合銀行法第五條之一之規(guī)定，不得有侵蝕存戶存款本金。 ? 與客戶解除契約，如有約定違約金時(shí)，應(yīng)本於公平合理原則約定，不得收取過高之違約金。 金融監(jiān)理變革 強(qiáng)調(diào)金融 產(chǎn)品行銷控管的重要性 以銀行為例 ，辦理衍生性金融商品業(yè)務(wù)，與客戶權(quán)益有關(guān) 應(yīng)遵循事項(xiàng)： 26 ? OTC Derivatives and Structured Product Marketing and Sales Policy and Procedures ? Appropriateness ? Arm’s Length Dealing ? Risk Disclosure ? OffMarket Transaction Policy ? Structured Finance Policy ? Escalation of Transactions Policy ? Retail Distribution Committee Policy 金融監(jiān)理變革 強(qiáng)調(diào)金融 產(chǎn)品行銷控管的重要性 花旗集團(tuán)有關(guān)衍生性金融 產(chǎn)品行銷控管規(guī)定 : 27 ? Appropriateness: Should the counterparty be entering into the transaction? ? Arm’s Length Dealing: Does the counterparty think that the Bank is advising him/her? ? Risk Disclosure: Does the counterparty understand the risks? 金融監(jiān)理變革 強(qiáng)調(diào)金融 產(chǎn)品行銷控管的重要性 28 未來發(fā)展 29 未來發(fā)展 ? Complexity Uncertainty ? Hybrid Product ? Securitized Product ? Hedge Fund ? Strengthened Supervisory Guideline on Sales Process 30 謝謝觀看 /歡迎下載 BY FAITH I MEAN A VISION OF GOOD ONE CHERISHES AND THE ENTHUSIASM THAT PUSHES ONE TO SEEK ITS FULFILLMENT REGARDLESS OF OBSTACLES. BY FAITH I BY FAITH
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