• 가정과삶의질연구
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• 제30권2호
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• pp.137-152
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• 2012

The graying of populations is emerging as an international issue around the world, and this is a problem that is rapidly advancing in Korea as well, signaling the need for financial preparations for the aged. For this purpose, various retirement pension systems are being employed as preparatory measures for the nation's elderly. Using data from 1474 people in the 2007 panel study of National Security for the Retired, the present work attempts to look at satisfaction rates with regard to public pension receipts for the national pension and special occupational pensions according to general characteristics and factors related to the preparation for an aging society. Satisfaction with retirement pension receipts according to the type of pension was high for special occupation retirement pensions, individual retirement pensions and the national retirement pension, in that order. Looking at satisfaction rates based on the general characteristics of pension recipients, the study revealed that for the national pension, satisfaction was highest for groups with above-average physical and psychological health, groups who think appropriate living expenses for the elderly are lower, groups in which a partner also earns income, and groups who had amply prepared for their expected living expenses in later life. Regarding special occupation retirement pensions, satisfaction was high for groups over the age of 70, groups with good psychological health, and groups sufficiently prepared for their living expenses in later expenses, compared to groups for which these factors did not apply. In terms of the relative influences impacting retirement pension recipient satisfaction, satisfaction with the national pension was highest when the primary source to cover elderly living expenses was a resource other than income earned by the recipient and their partner and/or income received from children. Concerning special occupation retirement pensions, satisfaction was highest among those whose education terminated before middle school, and for those in good physical health. Based on the above results, it is vital that plans exist for preparing sufficiently for the living expenses of the elderly and for facilitating the physical and psychological health of pension recipients. Plans are also necessary to, ensure that citizens are provided with easily accessible educational programs and activities regarding general installment savings and deposits, stocks and bonds, real estate investments, individual retirement pensions, private insurance, severance pay pensions, and public pensions.

• 한국지역사회생활과학회지
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• 제17권3호
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• pp.67-87
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• 2006

This study examined how middle-aged jobholders anticipate their living after retirement, how they plan their post-retirement financial welfare and what attitude they have towards old age. The data came from 290 middle-aged male and female people in Incheon, Suwon and Cheongju city and were analyzed to find the differences among public planned pension types, such as the National Pension System (NPS), the Government Employee Pension Corporation (GEPC), and the Korea Teachers Pension (KTP). The major results were as follows: First, the expected income level after retirement in GEPC members was the highest and the lowest in KTP members. Second, the expected living period after retirement is the main criteria used when determining the amount of money needed for old age. Third, KTP members were of the most inferior at financial planning and practice, especially self-reflection of their expending behavior, thrift and saving practice for old age.

• 가족자원경영과 정책
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• 제17권4호
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• pp.171-187
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• 2013

Individuals are increasingly required to take more responsibility for their own retirement. The purpose of this study was to investigate the efficacy of counseling for retirement planning on awareness and behavior related to retirement preparation. The data came from 3,561 adults who received counseling from National Pension Service. The major findings can be summarized as follows : (1) There were significant changes in awareness and behavior for retirement preparation after receiving counseling services ; (2) young age, type of counseling (comprehensive diagnostics for retirement preparation), and counseling method (face-to-face) had a positive effect on changes in awareness and behavior ; and (3) expertise and adequacy of counseling, as well as the attitude of counselors, had an influence on changes in awareness and behavior.

• 노동경제논집
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• 제17권2호
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• pp.353-384
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• 1995

• 보건의료산업학회지
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• 제10권3호
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• pp.199-211
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• 2016

Objectives : This study compared the influencing factors on life satisfaction after retirement between public pension and specific corporate pension recipients. Methods : This study used the fifth year data of 2013 from the raw data of the Korean Retirement and Income Study collected by the National Pension Research Institute. The data analysis in this study was done with the chi-square test, t-test, and linear regression using SPSS ver. 22.0 to verify the relevance between the general characteristics of pension recipients. Results : This study shows that there was a difference in expenditures and health care costs between public pension and special corporate pension recipients. The influencing factors on life satisfaction for public pension recipients were the level of spending, whether there were limitations in daily life and social activity, whether recipients had financial assets and health care costs while for specific corporate pension recipients, they were education level, level of spending and chronic diseases. Conclusions : A health policy that maximizes life satisfaction and takes into account the type of pencion needs to be considered and implemented.

• Journal of the Korean Data and Information Science Society
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• 제25권6호
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• pp.1315-1331
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• 2014

소득대체율은 은퇴 전 소득 대비 은퇴 후 소득이 어느 정도 인지를 나타내는 지표로써, 사회보장제도의 급여수준이나 노후대비소득의 적정성을 논할 때 매우 유용하게 사용된다. 기존 연구들은 소득대체율 개념을 통해 은퇴시점이나 특정 은퇴기간의 은퇴소득을 진단하고 있다. 본 연구에서는 생애에 초점을 두고 생존기간에 따라 소득대체율이 어떻게 변화하는지 살펴보았으며, 생존기간에 따른 소득대체율을 하나의 지표 값으로 나타내어 분석하였다. 이를 생애소득대체율로 명명하였으며, 분석결과 3대 연금에 모두 20년 가입 시 남자의 생애소득대체율은 38.3%, 여자의 생애소득대체율은 41.1%로 예상된다.

• 경영과학
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• 제32권3호
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• pp.13-28
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• 2015

Using the most recent dataset of Korea and U.S. household finance, this study analyzed demand and adequacy of private pensions for pre-retirees. For this purpose, 2013 Korean Retirement and Income Study (KReIS) of national pension research institute in Korea and 2013 SCF (Survey of Consumer Finances) of FRB in U.S. were used. For comprehensive comparisons of the two countries, this study classified the private pension into sub-categories such as personal pension, corporate pension, and retirement benefits, and used three different criteria including ownership, accumulated present value of each pension, and income replacement ratio of each pension. After controlling for other factors, educational level of householder and household income were critical determinants of size and adequacy of private pension in both countries. Different from Korean households, householders' gender, marital status, and health status had an important effect on the private pension size and adequacy in the U.S. In addition, home ownership significantly increased only private pension adequacy in Korea, and also increased ownership rate, size, and adequacy of private pension in the U.S. Results of this study provide useful implications for future pension system and policy in Korea.

• Journal of the Korean Data and Information Science Society
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• 제24권6호
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• pp.1385-1400
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• 2013

우리나라 3대 연금제도별로 가입자의 노후소득보장수준에 대한 평가 지표인 소득대체율을 분석하였다. 분석을 위해 가입자의 연령별 소득수준에 대한 가정은 국민연금과 퇴직연금 및 개인연금의 소득 차이를 반영하여 연금제도별로 상이하게 적용하였으며, 가입기간에 대해서도 가입자의 전이확률을 반영하여 연금제도별로 구분하여 산출하였다. 연금 수급기간에 대해서는 통계청 생명표를 활용하였다. 분석 결과를 살펴보면 분석대상자의 국민연금 소득대체율은 약 21.0~22.7%이며, 퇴직연금의 경우에는 약 5.8~9.7%, 개인연금의 경우에는 약 13.5~21.0%로 나타났다. 소득계층별 소득대체율은 소득재분배 효과로 인해 국민연금의 경우에만 차이가 발생하고, 퇴직연금 및 개인연금의 경우에는 소득계층과 무관하게 동일하다. 이러한 결과는 평균가입기간이 국민 및 개인연금의 경우에는 약 16.8~22.2년, 퇴직연금의 경우에는 11.8~16.3년으로 가정하고, 수급기간의 경우 20~24년으로 가정한 것으로부터 분석된 결과이다. 분석 결과는 가입자에 대한 현실적인 가정을 통해 나타난 결과로서, 기존의 가상적 가입자를 대상으로 가입기간과 수급기간에 대한 시뮬레이션 분석과는 차별성이 있으며, 우리나라 연금 가입자의 소득대체율 결과에 대한 대표성을 지닌다.

• 해양환경안전학회:학술대회논문집
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• 해양환경안전학회 2018년도 공동국제학술발표회
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• pp.52-52
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• 2018

• 부동산연구
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• 제28권3호
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• pp.53-64
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• 2018

OECD 국가들은 인구고령화로 인해 공적연금의 재정안정성이 위협받자 공적연금의 노후소득보장 기능을 축소하는 대신 사적연금을 활성화해 왔으며, 세계에서 가장 급속한 인구고령화를 경험하고 있는 한국 역시 주요국의 정책을 답습하고 있다. 하지만 주요국과 달리 한국은 가구 자산의 대부분이 부동산 자산으로 구성되어 있다는 특징이 있다. 전체 자산에서 부동산 자산이 차지하는 경제사회적 중요성으로 인해 부동산의 자산효과는 거시경제정책의 주요 도구로 활용되어 왔다. 본 연구는 부동산의 가격변화가 사적연금(개인연금+퇴직연금)의 납입액에 미치는 영향을 분석하였다. 재정패널조사 자료를 활용해 이원고정효과모형(Two-Way Fixed Effect Model)으로 분석한 결과, 부동산 가격이 1% 증가할 때 사적연금 납입액은 0.171% 증가하는 것으로 나타났다. 즉 부동산의 가격변화가 사적연금을 통한 노후준비에도 긍정적인 것으로 분석되어졌다. 이러한 결과는 향후 부동산 시장이 위축될 경우 소비감소뿐만 아니라 국민들의 노후준비에도 부정적일 수 있다는 것을 시사한다.