一、甲六歲時,母A與父B 離婚。甲從小跟母 A 生活與父親B並無往。B在離婚後一年C结婚並生下乙女、丙男。·現甲因病去世留下遺產新台幣6000萬元·甲死亡時,其母親A已經死亡。甲生前製作代笔遺囑,要將遺產贈與其所擁有之公司做為員工之福利金。甲之代筆遺囑見人為該公司之職員D、E、F。請問甲死亡時,根據民法其遺產六千萬由誰繼承?該代筆遗囑之法律效力為何?請針對該遺囑之有效或無效之理由加以分析?(25分)

二、英翻中(30%)(請以中文做答) There is concern among national regulators and policymakers and the Standards-Setting Bodies regarding the large-scale termination or restriction of relationships and lines of business by banks seeking to avoid (rather than to continuously manage) the relevant compliance, operational, and reputational risks as envisaged under the proportionate and risk-based approaches of global standards. The scope and drivers of the phenomenon- referred to by banks as "'de-risking"--are complex and relevant aspects have not yet been fully studied and publicly documented. At the same time, the effects on affected communities and counties could not only undermine financial inclusion but also potentially hold broader implications for the global financial system and for poverty reduction and economic development efforts. De-risking is tied in part to concerns about money laundering, terrorist financing, and sanctions. However, key stakeholders describe a much more complex dynamic involving profitability concerns (which in turn are affected by prudential and market conduct issues) and integrity issues. In addition to potential bank correspondent withdrawal, concerns over terminations of business relationships have also been raised in relation to a range of financial inclusion relevant customers, notably cross-border remittance providers and humanitarian organizations.

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