一、何謂保險代位原則？保險人行使代位求償權之主要理由為何？再者，何以人壽保險 不適用代位求償權？請分予說明之。（25 分）

沒有 【段考】高二物理下學期 權限，請先開通．

沒有 【段考】高二物理下學期 權限，請先開通．

沒有 【段考】高二物理下學期 權限，請先開通．

沒有 【段考】高二物理下學期 權限，請先開通．

二、保險費率釐訂方法有那幾種？請以簡易人壽保險為例，其較常採行之保險費率釐訂 方法有那些？請分予說明之。（25 分）

三、保險業資金來自那幾方面？再者，各國對於保險業資金運用均予以限制，其主要理 由為何？（25 分）

四、何謂保單價值準備金？再者，請比較「保單價值準備金」與「責任準備金」兩者之 差異。（25 分）

三、英譯中：請將下列英文段落翻譯成中文（15 分）  In recent years, aboriginal groups in Taiwan are seeking to preserve their folkways and languages as well as to return to, or remain on, their traditional lands. Eco-tourism, sewing and selling tribal carvings, jewelry and music has become a viable area of economic opportunity. However, tourism-based commercial development seems not a panacea. Moreover, some national parks have been built on aboriginal lands against the wishes of the local tribes, prompting one Taroko activist to label the Taroko National Park as a form of “environmental colonialism”. Due to the close proximity of aboriginal land to the mountains, many tribes have hoped to cash in on hot spring ventures and hotels, where they offer singing and dancing to add to the ambiance. Considerable government funding has been allocated to museums and culture centers focusing on Taiwan’s aboriginal heritage. Critics often call the ventures exploitative and “superficial portrayals” of aboriginal culture. Proponents of ethno-tourism suggest that such projects can positively impact the public image and economic prospects of the indigenous community.

四、中譯英：請將下列中文段落翻譯成英文（15 分）  有些人就是知道如何利用平凡無奇的日常生活經驗，讓自己成為沃土，結實纍 纍，一年可採收三次。還有一些人──這種人還真不少！──則只會隨波逐流，隨 著時代與國家變化多端的潮流前進，像個軟木塞在上面漂來漂去。最後，我們可以 把人類分成兩種：一種人會化腐朽為神奇，另一種人則是會化神奇為腐朽。絕大多 數的人都是後者，前者可說是少之又少。

五、Essay Question（20 分）  Some people say that a country is weakened when its residents do not speak the same language. Others believe that a multilingual society strengthens a country. What do you think? Give reasons and examples to support your opinion.