[其他] 「不提供市內電話」與「人頭帳戶」等號?
寫信給金管會客訴:
本人於2016年6月4日星期六補上班當天下午,備齊雙證件單獨親往前往戶籍地凱基證券彰
化分行辦理開戶,但因不願提供一般市內電話,而被拒絕開戶。數年前本人曾在其前身中
信證券開戶,後來於凱基證券時期銷戶,該公司亦有查到,相關資料及信用皆無瑕疵。因
現居房屋為租賃無一般市話、公司電話為公務用,不方便聯絡私人事情,況且是為了買賣
股票的事,且工作性質若是外務人員,公司還不是要以手機聯絡,反而徒增困擾?
經詢問凱基證券客服,說是彰化分行個別規定,將進一步瞭解開戶情形。而後彰化分行打
電話來,說是總行規定,是為了方便聯絡客戶,但亦無法解釋已提供手機供聯絡,為何還
要提供找不到人的市內電話?但就此不了了之。
後來經google查詢,應是貴會准予備查「防杜人頭帳戶範本」之故。在此請貴會妥予考量
此範本之精神及執行情形,應考量客戶實際情況,而非放任各金融機構以檢核表形式,逕
行將「不提供市內電話」與「人頭帳戶」劃上等號!形成對沒有安裝市內電話客戶之歧視
。
金管會回覆如下:
先生,您好:
一、 謝謝您105年6月13日之來信。
二、 按證券商管理規則第35條規定,證券商受託買賣有價證券,應依據同規則第34條之
客戶資料,包括姓名、住所及通訊處所、職業及年齡、資產之狀況、投資經驗、開戶原因
及其他必要之事項,及往來狀況評估客戶投資能力;客戶之委託經評估其信用狀況如有逾
越其投資能力,除提供適當之擔保者外,得拒絕受託買賣。因此證券商可依客戶所提供之
資料,評估客戶投資能力,並依前述之相關規定,據以審酌是否接受客戶開戶及股票買賣
。台端如仍有疑異,請逕洽該證券商釋疑或洽其他證券商辦理開戶事宜。
金融監督管理委員會證券期貨局 敬啟
心得:
雞同鴨講的感覺…
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討論串 (同標題文章)
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