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MPFE 強積金中介人資格考試題庫｜一次過合格懶人包
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MPFE強制性公積金計劃考試（強積金中介人資格考試）題庫，免費線上練習。涵蓋強積金法例、計劃架構、受託人職責、成員權益及銷售操守守則，附計時模擬測驗及錯題重溫。適合投考強積金中介人牌照、保險及理財從業…
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免費體驗 20 題根據強制性公積金計劃管理局（積金局）提供的研習資料，香港正面臨人口老化問題。根據政府統計處的人口推算數據，預計到 2064 年，香港 65 歲或以上的人口佔總人口的比例將會上升至約多少？ --- According to study materials provided by the Mandatory Provident Fund Schemes Authority (MPFA), Hong Kong is facing the problem of an aging population. According to the population projection data of the Census and Statistics Department, approximately what proportion of Hong Kong's population aged 65 or above will increase to the total population by 2064?
根據強積金研習資料手冊所引用的香港政府統計處人口推算數據，預計到 2064 年，香港男性及女性在出生時的預期壽命分別將達到多少歲？ --- According to the population projection data of the Census and Statistics Department of Hong Kong cited in the MPF Study Manual, how many years are the life expectancies at birth of men and women in Hong Kong expected to be by 2064?
世界銀行於 2005 年發表報告，將其於 1994 年提出的退休保障架構由「三根支柱」擴展為「五根支柱」。下列哪一項是該架構中新增的支柱之一？ --- The World Bank issued a report in 2005, expanding the retirement security framework it proposed in 1994 from "three pillars" to "five pillars." Which of the following is one of the new pillars of the architecture?
世界銀行於 1994 年發表的報告書中，提倡建立一個由「三根支柱」組成的老年保障框架。根據該報告的定義，下列哪一項不屬於這「三根支柱」的內容？ --- In a report published by the World Bank in 1994, it advocated the establishment of an old-age security framework composed of "three pillars." According to the report's definition, which of the following is not part of these "three pillars"?
根據強積金制度的設計框架，下列哪些項屬於該制度的核心特點？ (i) 就業為本 (ii) 具備足額資金 (iii) 由私營機構管理 (iv) 屬於界定利益計劃類型 --- According to the design framework of the MPF system, which of the following are core features of the system? (i) Employment-based (ii) Have sufficient funds (iii) Managed by private sector (iv) Belongs to the defined benefit plan type
在強制性公積金（MPF）制度正式實施之前，香港的退休保障覆蓋範圍相對有限。根據官方統計資料，在當時約 300 萬的就業人口中，估計有多少比例的人士完全沒有或僅擁有極少量的退休保障？ --- Before the formal implementation of the Mandatory Provident Fund (MPF) system, retirement protection coverage in Hong Kong was relatively limited. What proportion of the approximately 3 million people employed at the time, according to official statistics, was estimated to have no or minimal retirement security?
在2000年12月強積金制度正式實施之前，香港的退休保障覆蓋範圍相對有限。根據《強積金計劃考試研習資料手冊》，當時全港約有多少比例的工作人口享有某種形式的退休保障？ --- Before the official implementation of the Mandatory Provident Fund System in December 2000, Hong Kong's retirement protection coverage was relatively limited. According to the "MPF Scheme Examination Study Manual", at that time, approximately what proportion of the working population in Hong Kong enjoyed some form of retirement protection?
根據《強制性公積金計劃條例》及相關規管架構，下列哪些陳述是正確的？ (i) 強積金計劃是由私人營運機構（如受託人）負責管理 (ii) 強積金制度屬於一種與就業掛鉤的強制性供款計劃 (iii) 除了《強制性公積金計劃條例》外，並無其他附屬規例或條例與強積金制度相關 (iv) 《強制性公積金計劃條例》於 1995 年通過，為制度奠定法律基礎 --- Which of the following statements are correct under the Mandatory Provident Fund Schemes Ordinance and related regulatory framework? (i) MPF schemes are managed by private operators (such as trustees) (ii) The MPF system is an employment-linked mandatory contribution scheme (iii) Apart from the Mandatory Provident Fund Schemes Ordinance, there are no other subsidiary regulations or ordinances related to the MPF system (iv) The Mandatory Provident Fund Schemes Ordinance was passed in 1995, laying the legal foundation for the system
香港政府為了應對人口老化問題，並為就業人口提供正式的退休保障，通過了核心的法律框架。請問《強制性公積金計劃條例》（第485章）最初是在哪一年由立法局制定通過的？ --- The Hong Kong government has adopted a core legal framework in order to cope with the aging population and provide formal retirement protection for the working population. May I ask in which year the Mandatory Provident Fund Schemes Ordinance (Chapter 485) was first enacted and passed by the Legislative Council?
有關香港強制性公積金制度的發展與基本架構，下列哪些敘述是正確的？ (i) 強制性公積金計劃於 2000 年 12 月 1 日正式全面實施 (ii) 《強制性公積金計劃條例》最早於 1995 年制定 (iii) 計劃的涵蓋對象包括符合資格的僱員及自僱人士 (iv) 僱主有法律責任為其合資格僱員進行供款 --- Regarding the development and basic structure of Hong Kong's mandatory provident fund system, which of the following statements are correct? (i) The Mandatory Provident Fund Scheme was fully implemented on 1 December 2000 (ii) The Mandatory Provident Fund Schemes Ordinance was first enacted in 1995 (iii) The scheme covers eligible employees and self-employed persons (iv) Employers are legally obliged to make contributions for their eligible employees
根據香港退休保障制度的發展歷程，職業退休計劃註冊處處長（Registrar of Occupational Retirement Schemes）的職能於 2000 年 1 月起移交予下列哪一個機構？ --- According to the development history of Hong Kong's retirement security system, the functions of the Registrar of Occupational Retirement Schemes were transferred to which of the following organizations starting from January 2000?
根據《強制性公積金計劃條例》的規定，下列有關強積金計劃規管要求的描述中，哪一項是不正確的？ --- According to the provisions of the Mandatory Provident Fund Schemes Ordinance, which of the following descriptions of the regulatory requirements of MPF schemes is incorrect?
根據香港《強制性公積金計劃條例》，負責執行強積金計劃的註冊、批核強積金組成的成分基金，以及核准匯集投資基金（AIF）的法定監管機構是： --- According to Hong Kong’s Mandatory Provident Fund Schemes Ordinance, the statutory regulatory authorities responsible for the registration of MPF schemes, the approval of constituent funds composed of MPF, and the approval of pooled investment funds (AIFs) are:
根據《強制性公積金計劃條例》，強制性公積金計劃管理局（積金局）的主要職能包括下列哪些項？ (i) 負責強積金計劃的註冊及強積金中介人的註冊 (ii) 確保強積金法例得以遵從，並監察受託人的合規情況 (iii) 在強積金基金出現投資虧蝕時，利用補償基金提供財政補貼 (iv) 考慮及審理有關《職業退休計劃條例》下豁免強積金安排的申請 --- According to the Mandatory Provident Fund Schemes Ordinance, which of the following are the main functions of the Mandatory Provident Fund Schemes Authority (MPFA)? (i) Responsible for the registration of MPF schemes and the registration of MPF intermediaries (ii) Ensure compliance with MPF legislation and monitor trustees’ compliance (iii) Use the compensation fund to provide financial subsidies when MPF funds suffer investment losses (iv) Consider and process applications for exemption from MPF arrangements under the Occupational Retirement Schemes Ordinance
在香港的強制性公積金（MPF）制度下，其運作與監管框架跨越了多個金融專業領域。根據《強制性公積金計劃條例》及相關監管指引，強積金制度主要涉及以下哪些金融行業？ --- Under Hong Kong's Mandatory Provident Fund (MPF) system, its operational and regulatory framework spans multiple financial professional fields. According to the Mandatory Provident Fund Schemes Ordinance and relevant regulatory guidelines, which of the following financial industries does the MPF system mainly involve?
在強制性公積金（強積金）制度的規管架構下，除了強制性公積金計劃管理局（積金局）外，以下哪些機構被賦予法定權力，負責對從事強積金銷售及推廣活動的註冊中介人進行日常監管？ (i) 保險業監管局 (ii) 金融管理專員（香港金融管理局） (iii) 證券及期貨事務監察委員會 --- Under the regulatory framework of the Mandatory Provident Fund (MPF) system, apart from the Mandatory Provident Fund Schemes Authority (MPFA), which of the following organizations are vested with statutory powers to be responsible for the day-to-day supervision of registered intermediaries engaged in MPF sales and promotion activities? (i) Insurance Authority (ii) Monetary Authority (Hong Kong Monetary Authority) (iii) Securities and Futures Commission
在強積金制度的規管架構下，證券及期貨事務監察委員會（證監會）承擔多項重要職能。以下哪項「不屬於」證監會的職能範圍？ --- Under the regulatory framework of the MPF System, the Securities and Futures Commission (SFC) assumes a number of important functions. Which of the following "does not fall within" the scope of the SFC's functions?
根據香港《證券及期貨條例》的發牌制度，以下哪類人士在執行相關職務時，必須獲得證券及期貨事務監察委員會（證監會）發牌或向其註冊，方可合法進行業務？ --- According to the licensing system of Hong Kong's Securities and Futures Ordinance, which of the following types of persons must be licensed or registered with the Securities and Futures Commission (SFC) when performing relevant duties before they can legally conduct business?
在強積金中介人規管架構下，若某主事中介人的核心業務屬銀行業，積金局通常會指派哪一機構作為其前線監管機構？ --- Under the regulatory framework of the MPF System, the Securities and Futures Commission (SFC) assumes a number of regulatory functions. Which of the following falls within the scope of functions of the Securities Regulatory Commission?
在強制性公積金（MPF）制度的規管架構下，哪一個監管機構主要負責審核與強積金計劃相關的銷售文件及宣傳資料、批核投資經理，以及監察資料披露事宜？ --- Under the regulatory framework of the Mandatory Provident Fund (MPF) system, which regulatory agency is primarily responsible for reviewing the offering documents and promotional materials related to MPF schemes, approving investment managers, and monitoring information disclosure matters?
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1
根據積金局發出的《註冊中介人操守要求指引》，註冊中介人在向客戶進行邀請、誘使或提供意見時，必須向客戶披露有關金錢或非金錢利益的資訊。下列哪些屬於指引中明確要求的披露事項？ (i) …
最多人誤揀：(i)、(ii)、(iii) 及 (iv)全部皆是 --- (i), (ii), (iii) and (iv) ar…
48% 作答者揀咗呢個錯誤選項 · 此題累計 2,933 次作答
2
根據積金局頒佈的《註冊中介人操守要求指引》，註冊中介人必須對其所推銷或提供受規管意見的產品具備良好的認識。下列哪些項目屬於指引中明確規定的認識範圍？ (i) 當前的市場及經濟狀況，…
最多人誤揀：(i), (ii), (iii), (iv)
40% 作答者揀咗呢個錯誤選項 · 此題累計 3,392 次作答
3
根據《註冊中介人操守要求指引》，註冊中介人必須對強積金制度、相關產品及投資概念有概括性的瞭解。下列哪些項目屬於中介人應具備的知識範圍？ (i) 市場上現有的不同類別註冊計劃及成分基…
最多人誤揀：(i)、(ii) 及 (iii) --- (i), (ii) and (iii)
44% 作答者揀咗呢個錯誤選項 · 此題累計 3,009 次作答
4
根據《強制性公積金計劃條例》，負責對以其主要業務為基礎的註冊中介人進行日常監管、視察及調查的法定機構被統稱為： --- Under the Mandatory Providen…
最多人誤揀：強制性公積金計劃管理局 --- Mandatory Provident Fund Schemes Authority
38% 作答者揀咗呢個錯誤選項 · 此題累計 3,213 次作答
5
根據《強制性公積金計劃條例》及相關監管指引，關於對強積金中介人（包括附屬中介人）施行的制裁及紀律處分，下列哪項敘述最為準確？ --- Which of the followin…
最多人誤揀：所有針對違規行為的處分必須經由法院立法程序後方可執行 --- All penalties for violation…
38% 作答者揀咗呢個錯誤選項 · 此題累計 3,082 次作答
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