[{"data":1,"prerenderedAt":255},["ShallowReactive",2],{"past-senior_fin_s2-10":3},{"examName":4,"questions":5},"高齡金融規劃顧問師資格測驗——第二節",[6,11,16,20,24,28,32,36,40,44,48,52,56,61,65,69,73,78,82,86,90,95,99,104,109,113,117,121,125,130,134,138,142,146,150,154,158,163,167,171,175,179,183,187,191,195,199,203,207,211,215,219,223,227,231,235,239,243,247,251],{"id":7,"qno":8,"question":9,"chapter":10},"senior_fin_s2-10-001",1,"政府推動長照政策的主要目的為何？","高齡者相關法規",{"id":12,"qno":13,"question":14,"chapter":15},"senior_fin_s2-10-002",2,"由日本和世界衛生組織(WHO)推動的口腔保健策略「8020 運動」中，「20」最主要強調的是：","對高齡者的基本認知",{"id":17,"qno":18,"question":19,"chapter":15},"senior_fin_s2-10-003",3,"國健署推行之運動 333，所指的 3 不包括下列哪一項？",{"id":21,"qno":22,"question":23,"chapter":15},"senior_fin_s2-10-004",4,"某位 72 歲客戶近期開始反覆忘記與金融顧問討論過的投資內容，並多次詢問相同問題。此情況最可能與下列何者有關？",{"id":25,"qno":26,"question":27,"chapter":10},"senior_fin_s2-10-005",5,"依長期照顧服務法規定，政府為促進長照相關資源之發展、充實並均衡服務與人力資源，應設置「長照基金」作為財源。有關該基金之指定稅收財源，下列何者正確？",{"id":29,"qno":30,"question":31,"chapter":10},"senior_fin_s2-10-006",6,"我國現行「住宿式長照機構」分屬多個中央主管機關所管理。有關服務類型與主管機關之配對組合，下列敘述何者錯誤？",{"id":33,"qno":34,"question":35,"chapter":10},"senior_fin_s2-10-007",7,"依長期照顧服務法設立，為照顧具有行動能力且可能有問題行為失智症個案的 24 小時照顧模式的團體家屋，是屬於下列哪類型服務？",{"id":37,"qno":38,"question":39,"chapter":10},"senior_fin_s2-10-008",8,"有關長照 3.0 的長照服務申請資格者，下列敘述何者錯誤？",{"id":41,"qno":42,"question":43,"chapter":10},"senior_fin_s2-10-009",9,"病人自主權利法此法典主要的適用對象為下列何者？",{"id":45,"qno":46,"question":47,"chapter":10},"senior_fin_s2-10-010",10,"聯合國人權公約均著重「反歧視」，我國 110 年《高齡社會白皮書》亦有反歧視行動策略，要「破除社會對高齡者的刻板印象與年齡歧視」。此行動策略歸類在白皮書五大目標中的哪一項？",{"id":49,"qno":50,"question":51,"chapter":10},"senior_fin_s2-10-011",11,"有關長照十年計畫 3.0 執行策略與精進重點，下列敘述何者錯誤？",{"id":53,"qno":54,"question":55,"chapter":10},"senior_fin_s2-10-012",12,"依老人福利法第 41 條規定，老人發生何種狀況，縣市社工須依職權協助保護及安置，不包括下列何者？",{"id":57,"qno":58,"question":59,"chapter":60},"senior_fin_s2-10-013",13,"下列何者非民法規定的遺囑之方式？","民法相關規範",{"id":62,"qno":63,"question":64,"chapter":60},"senior_fin_s2-10-014",14,"有關民法「特留分」之規定，下列敘述何者正確？",{"id":66,"qno":67,"question":68,"chapter":60},"senior_fin_s2-10-015",15,"根據民法規定，下列何者不得成為監護人？",{"id":70,"qno":71,"question":72,"chapter":60},"senior_fin_s2-10-016",16,"依民法第 1146 條規定，有關「繼承回復請求權」之消滅時效，下列敘述何者正確？",{"id":74,"qno":75,"question":76,"chapter":77},"senior_fin_s2-10-017",17,"除公益信託外，下列何者為民事信託之監督機關？","信託重要法規與信託實務",{"id":79,"qno":80,"question":81,"chapter":77},"senior_fin_s2-10-018",18,"信託行為有害於委託人之債權人權利者，下列何者可以聲請法院撤銷之？",{"id":83,"qno":84,"question":85,"chapter":77},"senior_fin_s2-10-019",19,"受託人將信託財產轉為自有財產，或於該信託財產上設定或取得權利者，委託人、受益人或其他受託人得請求將其所得利益歸於信託財產，其請求權自委託人或受益人知悉之日起幾年內不行使而消滅？",{"id":87,"qno":88,"question":89,"chapter":77},"senior_fin_s2-10-020",20,"有關信託受益人享有信託利益之權利，即信託受益權，下列敘述何者正確？",{"id":91,"qno":92,"question":93,"chapter":94},"senior_fin_s2-10-021",21,"有關信託財產發生收入之所得課徵，下列敘述何者錯誤？","信託相關課稅規定",{"id":96,"qno":97,"question":98,"chapter":77},"senior_fin_s2-10-022",22,"有關企業員工福利信託對員工的好處，下列敘述何者錯誤？",{"id":100,"qno":101,"question":102,"chapter":103},"senior_fin_s2-10-023",23,"高齡客戶因身體或心理或記憶及判斷力會隨著時間而產生逐漸減退的現象，當高齡客戶為自益信託中的委託人時，通常會設置信託監察人，其考量因素為下列何者？","安養信託契約與高齡金融應用",{"id":105,"qno":106,"question":107,"chapter":108},"senior_fin_s2-10-024",24,"下列何者屬於預收款信託之運用範圍？","信託業高齡金融特色商品與趨勢",{"id":110,"qno":111,"question":112,"chapter":103},"senior_fin_s2-10-025",25,"下列何者不屬於高齡客戶投資產品適合度中的 KYC 項目？",{"id":114,"qno":115,"question":116,"chapter":77},"senior_fin_s2-10-026",26,"我國信託法第 21 條及第 53 條分別規定，未成年人、受監護或輔助宣告之人及破產人，不得為信託關係中的何種人？",{"id":118,"qno":119,"question":120,"chapter":94},"senior_fin_s2-10-027",27,"甲父（委託人）將一市價 5,000 萬元（時價 2,000 萬元）的不動產與 A 銀行（受託人）簽訂以乙女為受益人之他益信託，且委託人無保留變更受益人及分配、處分信託利益之權利，有關贈與稅及土地增值稅課徵時間點，下列敘述何者正確？",{"id":122,"qno":123,"question":124,"chapter":94},"senior_fin_s2-10-028",28,"就贈與或遺產繼承時的信託財產價值計算基礎，下列敘述何者錯誤？",{"id":126,"qno":127,"question":128,"chapter":129},"senior_fin_s2-10-029",29,"有關小額終老保險的敘述，下列何者正確？","高齡金融相關商品",{"id":131,"qno":132,"question":133,"chapter":129},"senior_fin_s2-10-030",30,"有關實支實付型與日額型的敘述，下列何者正確？",{"id":135,"qno":136,"question":137,"chapter":129},"senior_fin_s2-10-031",31,"有關中央銀行 113 年 10 月 09 日公布「中央銀行對金融機構辦理不動產抵押貸款業務規定」（以下簡稱本規定）之協處措施，下列敘述何者錯誤？",{"id":139,"qno":140,"question":141,"chapter":77},"senior_fin_s2-10-032",32,"「由建商或起造人將建案土地及興建資金信託予某金融機構或經政府許可之信託業者執行履約管理。興建資金應依工程進度專款專用。」係指下列何種預售屋履約擔保機制？",{"id":143,"qno":144,"question":145,"chapter":103},"senior_fin_s2-10-033",33,"高齡安養信託依委託人是否為受益人之區別態樣中，不包括下列何者？",{"id":147,"qno":148,"question":149,"chapter":77},"senior_fin_s2-10-034",34,"有關公益信託之敘述，下列何者錯誤？",{"id":151,"qno":152,"question":153,"chapter":77},"senior_fin_s2-10-035",35,"信託契約之受託人依信託法第 22 條規定，應依信託本旨，處理信託事務，並盡到何種程度之注意義務？",{"id":155,"qno":156,"question":157,"chapter":10},"senior_fin_s2-10-036",36,"銀行業者依據「銀行業公平對待高齡客戶自律規範」，對於高齡客戶所應採取之措施，下列何者錯誤？",{"id":159,"qno":160,"question":161,"chapter":162},"senior_fin_s2-10-037",37,"乙奶奶 75 歲，名下有自宅與部分存款。她與 B 銀行簽訂「安養信託」契約，並透過異業結盟，由 B 銀行與不動產業者合作，將自宅交付信託並辦理包租代管，租金收入直接匯入安養信託專戶，用於支付乙奶奶入住長照機構的費用。有關此案例，下列敘述何者錯誤？","高齡金融規劃案例研討",{"id":164,"qno":165,"question":166,"chapter":15},"senior_fin_s2-10-038",38,"目前國內在評估高齡者身心健康狀態是否符合「衰弱狀態」時，常使用的評估表包括下列哪些工具？ A.巴氏量表(Barthel Index) B.衰弱評估表(Study of Osteoporotic Fractures Index) C.日常生活活動評估表(Activities of Daily Living) D.工具性日常生活活動評估表(Instrumental Activities of Daily Living)",{"id":168,"qno":169,"question":170,"chapter":15},"senior_fin_s2-10-039",39,"美國 CCRC（持續性照護退休社區）的核心理念之一是為了避免高齡者因照護需求增加而產生下列哪種負面影響？",{"id":172,"qno":173,"question":174,"chapter":15},"senior_fin_s2-10-040",40,"林先生今年 70 歲，身體健朗且能獨立處理日常生活起居，計畫與太太搬入老人住宅。下列哪一項是必須符合的最基本適用前提？",{"id":176,"qno":177,"question":178,"chapter":15},"senior_fin_s2-10-041",41,"某高齡者希望未來能在熟悉的社區環境中生活，同時在需要時可獲得照顧服務。此概念最符合下列何者？",{"id":180,"qno":181,"question":182,"chapter":60},"senior_fin_s2-10-042",42,"有關夫妻間之代理與費用分擔，下列敘述何者錯誤？",{"id":184,"qno":185,"question":186,"chapter":60},"senior_fin_s2-10-043",43,"有關民法「調解離婚」之規定，下列敘述何者錯誤？",{"id":188,"qno":189,"question":190,"chapter":60},"senior_fin_s2-10-044",44,"甲母因兒子乙長期惡意虐待且不盡扶養義務，於遺囑中明確表示乙不得繼承其財產。有關此法律效果，下列敘述何者錯誤？",{"id":192,"qno":193,"question":194,"chapter":60},"senior_fin_s2-10-045",45,"甲與乙為夫妻，約定共同財產制，兩人育有兩名子女。甲過世時，兩人的共同財產有 6,000 萬元。乙可以獲得多少財產？",{"id":196,"qno":197,"question":198,"chapter":77},"senior_fin_s2-10-046",46,"下列何者非為信託業經營之附屬業務項目？",{"id":200,"qno":201,"question":202,"chapter":77},"senior_fin_s2-10-047",47,"有關信託財產登記之相關敘述，下列何者正確？",{"id":204,"qno":205,"question":206,"chapter":94},"senior_fin_s2-10-048",48,"有關信託與課稅議題，下列何者錯誤？",{"id":208,"qno":209,"question":210,"chapter":129},"senior_fin_s2-10-049",49,"重大疾病保險的保障範圍通常包含下列哪一項？",{"id":212,"qno":213,"question":214,"chapter":129},"senior_fin_s2-10-050",50,"減額繳清保險會造成下列何種現象？",{"id":216,"qno":217,"question":218,"chapter":94},"senior_fin_s2-10-051",51,"依所得稅法第 14-4 條規定，個人提供財產依都市更新條例參與都市更新，或依都市危險及老舊建築物加速重建條例參與重建，於興建房屋完成後取得之房屋及其坐落基地第一次移轉且其持有期間在 5 年以下者，稅率為 20%。請問前開財產包括下列何者？ A.土地 B.合法建築物 C.未辦保存登記之頂樓加蓋 D.他項權利 E.資金",{"id":220,"qno":221,"question":222,"chapter":94},"senior_fin_s2-10-052",52,"某甲參與都市更新，如實際獲配房地權利價值大於應分配權利價值，某甲與建商協議減免繳納差價，其差價應申報何種稅賦？",{"id":224,"qno":225,"question":226,"chapter":60},"senior_fin_s2-10-053",53,"隨著高齡人口的增加，為建立更完善的成年監護制度，我國民法於 110 年增訂「意定監護」制度。有關民法第 1113- 2 條以下之「意定監護」相關規定，下列何者正確？",{"id":228,"qno":229,"question":230,"chapter":10},"senior_fin_s2-10-054",54,"金融服務業提供之金融商品或服務，如具有信託或委託等性質者，金融服務業另應依法規規定或契約約定，應負如何之義務？",{"id":232,"qno":233,"question":234,"chapter":10},"senior_fin_s2-10-055",55,"有關財團法人之運作相關規範，下列敘述何者錯誤？",{"id":236,"qno":237,"question":238,"chapter":15},"senior_fin_s2-10-056",56,"陳太太（80 歲）獨居，近期感到體力衰退，對於家中上下樓梯感到吃力，希望能增加居家安全維護。這反映了「中老年人」（75-84 歲）常見的哪項需求重點？",{"id":240,"qno":241,"question":242,"chapter":162},"senior_fin_s2-10-057",57,"【案例】張奶奶今年 80 歲，早年喪偶，獨力撫養三名子女長大，如今子女皆事業有成，各有家庭，而張奶奶目前獨居，偶爾至各子女家短暫居住，共享天倫之樂。最近張奶奶的健康狀況有所變化，開始會反覆問同樣的問題、偶爾忘記是否已繳帳單、重複提領現金，甚至曾接到可疑電話而差點匯款給陌生人；因此子女們因此開始擔心，未來若張奶奶的認知能力持續退化，可能無法妥善管理自己的財務，也容易成為金融詐騙的對象。請依上述的內容，回答下列問題：（下列各子題皆為獨立問題，無互相關聯）\n為了評估張奶奶的情況，專業醫療人員常會使用簡易智能狀況量表（簡稱 MMSE）來進行專業評估，下列何者並不是在這個量表所評估的內容？",{"id":244,"qno":245,"question":246,"chapter":162},"senior_fin_s2-10-058",58,"【案例】張奶奶今年 80 歲，早年喪偶，獨力撫養三名子女長大，如今子女皆事業有成，各有家庭，而張奶奶目前獨居，偶爾至各子女家短暫居住，共享天倫之樂。最近張奶奶的健康狀況有所變化，開始會反覆問同樣的問題、偶爾忘記是否已繳帳單、重複提領現金，甚至曾接到可疑電話而差點匯款給陌生人；因此子女們因此開始擔心，未來若張奶奶的認知能力持續退化，可能無法妥善管理自己的財務，也容易成為金融詐騙的對象。請依上述的內容，回答下列問題：（下列各子題皆為獨立問題，無互相關聯）\n張奶奶最近出現忘記繳帳單與重複提領現金的情況，為保障張奶奶自身的財物安全，可進行的作為「不包含」下列何者？",{"id":248,"qno":249,"question":250,"chapter":162},"senior_fin_s2-10-059",59,"【案例】張奶奶今年 80 歲，早年喪偶，獨力撫養三名子女長大，如今子女皆事業有成，各有家庭，而張奶奶目前獨居，偶爾至各子女家短暫居住，共享天倫之樂。最近張奶奶的健康狀況有所變化，開始會反覆問同樣的問題、偶爾忘記是否已繳帳單、重複提領現金，甚至曾接到可疑電話而差點匯款給陌生人；因此子女們因此開始擔心，未來若張奶奶的認知能力持續退化，可能無法妥善管理自己的財務，也容易成為金融詐騙的對象。請依上述的內容，回答下列問題：（下列各子題皆為獨立問題，無互相關聯）\n依據張奶奶最近出現的異常行為，疑似有失智的症狀。在高齡社會中，金融機構對於高齡者或失智症患者提供服務應有的準備，「不包含」下列何者？",{"id":252,"qno":253,"question":254,"chapter":162},"senior_fin_s2-10-060",60,"【案例】張奶奶今年 80 歲，早年喪偶，獨力撫養三名子女長大，如今子女皆事業有成，各有家庭，而張奶奶目前獨居，偶爾至各子女家短暫居住，共享天倫之樂。最近張奶奶的健康狀況有所變化，開始會反覆問同樣的問題、偶爾忘記是否已繳帳單、重複提領現金，甚至曾接到可疑電話而差點匯款給陌生人；因此子女們因此開始擔心，未來若張奶奶的認知能力持續退化，可能無法妥善管理自己的財務，也容易成為金融詐騙的對象。請依上述的內容，回答下列問題：（下列各子題皆為獨立問題，無互相關聯）\n張奶奶的子女們擔心張奶奶的健康狀況會持續惡化，可能導致無法自行管理財務或處理金融事務，因此希望在張奶奶仍具判斷能力時，先安排資產管理機制。從高齡金融規劃顧問師的角度而言，下列哪一種規劃最適合用來達成此目標？",1784944958352]