Analysis of Customer Credit Lines | Thorough Financial Position Evaluation | CTFA Exam

Adequate Procedures and Controls for Customer Credit Lines | CTFA Exam

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Question

I- With reference to the granting of customer credit lines a thorough analysis of the customer's overall financial position is performed prior to trading authorization.

II-confirmations of each transaction are sent to customers indicating the quantity, delivery month and the contract price to ensure the integrity of transactions.

III-Original margin deposits in cash or acceptable securities to guarantee performance of contracts are determined in accordance

These all are adequate procedures and controls associated with:

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Explanations

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A. B. C. D.

A

The procedures and controls described in the question are associated with commodity transactions. Therefore, the correct answer is A.

Explanation: I. The first statement refers to a thorough analysis of the customer's overall financial position prior to trading authorization. This is an important step in commodity transactions, where credit lines are often extended to customers to facilitate trading. The analysis helps to determine the customer's ability to meet their financial obligations and repay the credit.

II. The second statement refers to the confirmation of each transaction sent to customers. This practice is important in commodity transactions to ensure the integrity of the transaction. The confirmation includes the quantity, delivery month, and contract price, which helps to prevent any confusion or dispute about the terms of the transaction.

III. The third statement refers to the requirement of original margin deposits in cash or acceptable securities to guarantee performance of contracts. This is an essential part of commodity transactions to mitigate the risk of default. The margin deposit acts as collateral and provides assurance to the counterparties that the customer is committed to fulfilling their obligations under the contract.

In conclusion, all the procedures and controls mentioned in the question are crucial components of commodity transactions. Therefore, the correct answer is A, commodity transactions.