[{"data":1,"prerenderedAt":49},["ShallowReactive",2],{"q-sw-114-2-policy-legislation-019":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-114-2-社會政策與社會立法-019","sw-114-2-policy-legislation-019",114,2,false,19,"有關隨收隨付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},"隨收隨付制需要龐大的準備金來穩定保險財務","隨收隨付制在年金保險的重分配效果偏低","隨收隨付制調整保費和給付不太會遇到問題","隨收隨付制適合於短期性風險如健康保險制度","D",null,[],"本題考點為社會保險財務制度中「隨收隨付制（pay-as-you-go, PAYG）」的運作特性。依隨收隨付制原理，以當期在職世代所繳保費支付當期受益人的給付，不預先累積大量基金，適用於發生頻率高、給付週期短、可即收即付的短期性風險（如健康保險），故選項D正確。A錯：需要龐大準備金的是「完全提存準備制（fully funded）」，隨收隨付制正因不預存而僅需少量週轉金。B錯：隨收隨付制以世代間移轉為核心，年金保險下的世代重分配效果反而偏「高」而非偏低。C錯：隨收隨付制高度依賴人口結構，一旦少子高齡化、繳費者減少受益者增加，調整保費與給付將面臨嚴重政治與財務阻力，並非「不太會遇到問題」。故正解為D。",1,[25,29,33,37,41,45],{"webId":26,"stem":27,"number":28,"year":9,"session":10},"sw-114-2-policy-legislation-018","依據公益彩券發行條例，關於公益彩券的敘述，下列何者錯誤？",18,{"webId":30,"stem":31,"number":32,"year":9,"session":10},"sw-114-2-policy-legislation-020","關於社會保險和社會救助給付水準的敘述，下列何者錯誤？",20,{"webId":34,"stem":35,"number":36,"year":9,"session":10},"sw-114-2-policy-legislation-017","關於社會福利給付的形式，下列敘述何者正確？",17,{"webId":38,"stem":39,"number":40,"year":9,"session":10},"sw-114-2-policy-legislation-021","依據老人福利法規定，主管機關應邀集老人代表、老人相關學者專家和民間機構代表等推動老人權益及福利相關事宜，其代表人數的規定，下列敘述何者錯誤？",21,{"webId":42,"stem":43,"number":44,"year":9,"session":10},"sw-114-2-policy-legislation-016","依據 O’Connor 的分類，關於社會消費（social consumption），下列敘述何者正確？",16,{"webId":46,"stem":47,"number":48,"year":9,"session":10},"sw-114-2-policy-legislation-022","依據老人福利法規定，對於有接受長期照顧服務必要之老人提供經費補助的標準，下列何者正確？",22,1787299284606]