Journal of the Korean Data and Information Science Society

한국데이터정보과학회 (The Korean Data and Information Science Society)
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생존기간을 고려한 생애소득대체율의 추정

The estimation of lifetime income replacement rates

  • 신승희 (국민연금연구원) ;
  • 손현섭 (성균관대학교 보험계리학과) ;
  • 이항석 (성균관대학교 보험계리학과/수학과)
  • Shin, Seunghee (National Pension Research Institute) ;
  • Son, Hyunsub (Department of Actuarial Science, Sungkyunkwan University) ;
  • Lee, Hangsuck (Department of Actuarial Science/Mathematics, Sungkyunkwan University)
  • 투고 : 2014.09.15
  • 심사 : 2014.10.10
  • 발행 : 2014.11.30
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초록

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.

Replacement rates which shows the ratio of retirement income relative to preretirement income is used for a valuable evaluation measures while discussing social security benefit levels or the adequacy of retirement income. However, replacement rates has been only used for an index for evaluating benefit level at the time of retirement or specific retirement period in advanced research projects. This article analyzes how much the uncertainty of survival has an influence on retirement income, and shows replacement rates in conformity with the period of survival as an index. The researchers named this index lifetime income replacement rates. Analysis based on this index shows both life replacement income rates of 38.3% in men's case and of 41.1% in women's case while enrolled for 20years in three pension plans - national pension, retirement pension and individual annuity.

키워드

참고문헌

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피인용 문헌

  1. Analysis of mortality after death of spouse in relation to duration of bereavement and dependence relation between married couple -using married couples data from survivor's pension of National Pension Service- vol.26, pp.4, 2015, https://doi.org/10.7465/jkdi.2015.26.4.931
  2. A proposal and analysis of finance evaluation indicators for actuarial review of the national pension vol.27, pp.1, 2016, https://doi.org/10.7465/jkdi.2016.27.1.75