[{"data":1,"prerenderedAt":49},["ShallowReactive",2],{"q-sw-111-2-policy-legislation-017":3},{"subject":4,"subjectSlug":5,"subjectFullName":4,"question":6,"related":24},"社會政策與社會立法","policy-legislation",{"id":7,"webId":8,"year":9,"session":10,"subject":4,"legacy":11,"number":12,"stem":13,"options":14,"answer":19,"answerNote":20,"images":21,"lawTimestamp":9,"explanation":22,"freq":23},"sw-111-2-社會政策與社會立法-017","sw-111-2-policy-legislation-017",111,2,false,17,"有關「完全準備提存制」社會保險財務運作方式的敘述，下列何者正確？",{"A":15,"B":16,"C":17,"D":18},"保險給付來自之前繳交保費的總和，具不同階級所得重分配效果","基金累積不受經濟因素的影響，長久被保險人經常可以領到更多給付","基金累積過程遭遇通貨膨脹使基金價值也變大","保險人長期收取的保費累積龐大基金，但是投資管理不易","D",null,[],"本題考點在社會保險財務的「完全準備提存制(fully funded)」特性。完全準備制要求保險人事先收取並累積足額保費形成龐大基金,以支應未來給付,因此面臨長期基金投資與管理不易的問題(利率、通膨、報酬風險),故D正確。A「來自之前繳交保費總和、具階級所得重分配效果」描述有誤:完全準備制強調個人帳戶對應自身保費、世代內互助有限,重分配效果弱。B「基金累積不受經濟因素影響、經常可領更多」錯誤,基金深受經濟景氣、投資報酬影響。C「遭遇通膨使基金價值變大」錯誤,通貨膨脹反而侵蝕基金實質價值。關鍵在辨識完全準備制的核心風險是『長期基金保值與管理』。",1,[25,29,33,37,41,45],{"webId":26,"stem":27,"number":28,"year":9,"session":10},"sw-111-2-policy-legislation-016","下列何者是普及式福利政策的主要特點？",16,{"webId":30,"stem":31,"number":32,"year":9,"session":10},"sw-111-2-policy-legislation-018","財稅福利係指政府透過稅賦的減免，以鼓勵國民投入資源於社會福利領域，下列何者並非屬於財稅福利的範圍？",18,{"webId":34,"stem":35,"number":36,"year":9,"session":10},"sw-111-2-policy-legislation-015","有關「科層－專業主義」的敘述，下列何者正確？",15,{"webId":38,"stem":39,"number":40,"year":9,"session":10},"sw-111-2-policy-legislation-019","有關選擇性社會政策的特性，下列何者錯誤？",19,{"webId":42,"stem":43,"number":44,"year":9,"session":10},"sw-111-2-policy-legislation-014","Clarke 與 Newman 提出管理型國家，針對福利供給之分散化提出解決的途徑，下列何者正確？",14,{"webId":46,"stem":47,"number":48,"year":9,"session":10},"sw-111-2-policy-legislation-020","老人福利法第 12 條規定，中低收入老人未接受收容安置者，得申請發給生活津貼。下列敘述何者錯誤？",20,1787299263544]