下列关于在基础型社会保障层面，商业保险的作用理解不准确的是（ ）。

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SQL Error: select id,body,options from ***_enewstiku where sourceid='25176' and id < 2135660 and id<>'2135660' order by id desc limit 5 SQL Error: select id,body,options from ***_enewstiku where sourceid='25176' and id > 2135660 and id<>'2135660' order by id asc limit 5