• 한국경제지리학회지
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• 제21권2호
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• pp.156-172
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• 2018

한국의 지속적인 인구 고령화는 다양한 사회 갈등을 야기하고 있는데, 국민연금기금 고갈에 대한 위기감은 청년층과 기성세대 간의 첨예한 갈등의 한 양상이 되고 있다. 특히 청년층의 주거복지 수요가 증가하는 가운데, 국민연금기금의 대체투자를 통한 공공임대주택 공급 방안에 대한 사회적 관심이 증가하고 있다. 본 연구는 국민연금기금을 통한 청년층 공공임대주택 공급의 당위성을 검증한다. 그 후 공간통계기법에 기반한 탐색 결과를 바탕으로, 공공임대주택의 수도권 내 후보지를 제안하는 것을 목표로 한다. 연구 결과 세 가지 세부 청년층 분류에 따른 공공주택 공급방안이 도출되었으며, 각 지역과 대상 계층에 적합한 공공임대주택을 공급하는 방안을 모색한다. 본 연구를 통해 한국 사회의 세대 갈등을 완화하고, 국민연금기금의 수익성과 공공성을 모두 충족함을 목표로 한다.

• 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.

• 응용통계연구
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• 제28권4호
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• pp.827-845
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• 2015

본 연구는 2015년 공무원연금 개혁의 성과와 한계를 평가하고, 이들 한계를 극복할 수 있는 개편방안을 제시하고자 하였다. 연구결과에 따르면 이번 연금개혁은 재정적 지속성, 기능적 투명성, 타 공적연금과 형평성 측면에서의 그 성과가 미흡하였다. 이 때문에 향후 공무원연금개혁에 대한 논의는 다시 촉발될 것으로 전망된다. 다음 개혁의 우선 순위는 공적연금 제도 간 통합에 두어져야 한다. 이에 본 연구는 제한적인 효과만을 지향하는 모수적 개혁방안을 지양하고 다양한 정책 목표를 동시에 달성할 수 있는 공무원연금의 구조적 개편안을 제시하였다. 이 개편안의 골자는 공무원연금을 '국민연금 + 직역가산연금(부가연금) + 퇴직수당'의 다층노후체계로 개편하고, 신규 임용 공무원을 국민연금에 가입시키는 것이다. 국민연금이 공무원을 포함한 '전국민'의 '기본적 연금'으로 발전할 때 연금제도간 불평등도 완화되고 사회적 연대연금체제도 구축될 수 있을 것이다.

• 보건의료산업학회지
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• 제14권1호
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• pp.123-136
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• 2020

Objectives: This study aimed to analyze the factors influencing the life satisfaction of retirees(n=1,919) in one-person and multi-person households using the 2015 wave of the Korean Retirement and Income Study, collected by the National Pension Service. Methods: Frequency analysis and χ2-test were performed to examine the general characteristics and relation between one-person and multi-person household retirees. Logistic analysis was conducted to examine the factors affecting life satisfaction. Results: Public pension income was a statistically significant factor affecting life satisfaction, economic, health, and life in multi-person households. Conclusions: To improve life satisfaction after retirement, selective insurance benefits are needed depending on the type of household. Moreover a policy for expanding labor market participation is needed.

• KDI Journal of Economic Policy
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• 제41권2호
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• pp.41-58
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• 2019

Health capacity to work for the elderly is an essential piece of information for designing social policies in an aging society. Here, we assess the health capacity to work of older men in South Korea and provide a cross-country comparison. Following the methodology proposed by Milligan and Wise (2012), which uses the cohort mortality rate as a proxy for overall health status, we quantify the additional employment capacity of current older men in reference to the mortality-employment relationship of a generation ago. Despite the high employment rate of older men in South Korea, we find substantial additional employment capacity among older men (those aged 55 or more) as of 2016 comparable in size to those found in other advanced countries. We also find evidence that older men are not merely capable of working but are also willing to work, and many of them are increasingly combining pension income and work. These findings suggest that labor supply disincentives for older men embedded in public pension systems in South Korea need to be thoroughly reexamined and adjusted accordingly lest they should inhibit the labor supply of older workers.

• 가족자원경영과 정책
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• 제17권4호
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• pp.189-213
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• 2013

The purpose of this work is to explore different types of intergenerational relationships in the later lives of old retirees. This will be done according to the eligibility of public pension and the old age social security system so that the factors affecting intergenerational relationships can be analyzed, and to propose a plan to improve social adaptation in later life. The data used in this work are the Fourth basic survey data of the 2011 Korea Retirement and Income Study. The study subjects of this work were 2,435 retirees over age 65 who had children. In this study, latent class analysis and logistic regression analysis were conducted to classify types of intergenerational relationships and to analyze the influence of relevant factors. As a result of the analysis, some of those in the group were eligible for public pension, and the ones who were not were classified into three types: the closely-living-together type, the separate-living-contact type, and the estrangement type. In the group not eligible for public pension, it was found that age, spouse, number of children, economic factors, and level of health satisfaction gave significant power to intergenerational relationships. In the group eligible for public pension, it was found that age, income and net assets, ADL(Activities of Daily Living), whether there was an IADL(Instrumental Activities of Daily Living) spouse, and number of children affected types of intergenerational relationships; Socio-demographic factors, economic factors, and healthy factors became significant variables according to the classified types of intergenerational relationship. Based on the study results, this work suggested such necessities to lay the foundation for an elderly welfare system for social adaptation in later life, This includes the offering of programs for retirement preparation, the use of family and local society resources, and expansion of the opportunity to participate in social activities.

• 한국사회복지학
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• 제66권1호
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• pp.61-85
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• 2014

최근 들어 노인 빈곤층문제가 심각한 사회적 이슈로 대두됨에 따라, 중장년층 은퇴 전후 세대들의 소득과 소비를 중심으로 재정안정성 문제를 살펴보았다. '고령화연구패널조사'자료를 활용하여, 은퇴자그룹과 비은퇴자그룹을 나누고, 연령별 차이를 비교 분석하였다. 연구의 주요결과는 다음과 같다. 첫째, 은퇴자그룹의 개인총소득은 비은퇴자그룹의 개인총소득에 비해 소득이 3배 이상 낮았다. 둘째, '공적연금소득' 수급비율은 은퇴자그룹은 전체의 30%에 불과하고, 공적연금의 비중은 개인총소득의 40% 이하로 나타났다. '개인연금소득'은 두 그룹 모두 수급비율이 1%내외로 매우 낮은 것으로 조사되었고, 은퇴자그룹에서는 '사적이전소득'이 전체소득에서 차지하는 비중이 크다는 것을 확인하였다. 셋째, 소득이 줄어든 만큼 소비는 은퇴를 하더라도 크게 줄지 않기 때문에, 연령이 증가함에 따라 재정안정성이 낮아지는 것으로 나타났다. 넷째, 국가로부터의 노후생활 지원에 대한 기대감은 양 그룹 모두 낮은 것으로 조사되었다. 다섯째, 은퇴자그룹의 공적연금소득에 미치는 영향요인을 비은퇴자그룹 개인 총소득에 미치는 주요 요인과 비교한 결과, 성별, 연령, 학력, 건강상태가 주요 요인으로 나타났다. 본 연구는 은퇴 전후 세대의 노후소득보장을 위한 정부차원에서의 공적연금 확대와 개인연금 활성화 지원의 필요성을 제안한 점에서 기여도가 있다.

• International Journal of Human Ecology
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• 제5권1호
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• pp.97-115
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• 2004

This paper first introduces the U. S. pension system and its current trends. Then the following two sections discuss the research on worker behavior of defined contribution plans, a popular pension plan available for American workers in recent years, and the adequacy of retirement income among American people. The last section is a summary. This paper reviews the trend of the U. S. pension system, research on worker's behavior of defined contribution retirement plans, and studies on retirement income adequacy. These themes may have common or different features in other countries, such as Korea. This paper provides helpful information for private and public policy makers and researchers of these topics in Korea to advance their understanding of pension and retirement behavior and facilitate effective policy making of pensions and retirement.

• The Journal of Asian Finance, Economics and Business
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• 제7권7호
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• pp.531-541
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• 2020

The purpose of the study is a theoretical and practical justification for building a mechanism for financing health facilities based on public-private partnerships from a pension fund in regions with environmental problems. The theoretical background is built on works of local and foreign authors on state and non-state pension provisions issues, pension funds' assets management. This study provides an analysis of the health status of the population of the Kyzylorda region; it analyzes also the worldwide and Kazakhstan practice of investing pension funds and implementing projects. There has been legislative and methodological framework for financing health projects based on public-private partnerships in Kazakhstan. The scientific methods considered in this study made it possible to develop a mechanism for financial support for the modernization of a healthcare facility using the budget of pension funds. The authors point out possible risks in the implementation of projects in the field of healthcare and make recommendations on the construction a mechanism for financing healthcare facilities in the regions of Kazakhstan with environmental problems. In addition, they underline the key insights of the analysis, which are requisites for identifying the profitability of project for business and social effects for the public. Factors influencing efficacy, effect and implementation risks identified.

• 한국사회정책
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• 제25권3호
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• pp.279-303
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• 2018

인구고령화의 진전과 막대한 통일비용은 독일 연금재정에 심각한 위기를 야기하였다. 이에 더하여 경제의 세계화는 사회보험료를 부담하는 기업의 능력을 감소시켰다. 이를 타개하기 위해 독일은 공적연금의 급여를 삭감하고, 대신 인증제 개인연금인 리스터연금을 도입하여 노후소득보장의 수준을 유지하려 하였다. 리스터연금이 도입된 지 17년이 지난 지금 리스터연금제도의 성과에 대해 논쟁이 본격적으로 진행되고 있다. 이런 점에서 이 연구는 독일 리스터연금의 성과를 평가하고 한국에 주는 시사점을 도출하려 한다. 연구결과에 따르면 리스터연금의 가장 큰 성과는 노후소득보장에서 사적연금의 역할을 강화한 것이다. 리스터연금은 다른 사적연금과 달리 저소득층에게도 혜택을 확대하였다. 리스터연금의 가족정책적인 기능도 사적연금 활용의 새로운 전망을 보여주었다. 하지만 이러한 성과에도 불구하고 리스터연금은 애초의 목표를 달성하지 못하고 있다. 리스터연금은 목표한 가입율을 달성하지 못했고 목표한 저소득층보다는 고소득층이 리스터연금에 더 많이 가입한 것으로 나타났다. 또한 높은 수수료와 낮은 수익율 때문에 급여수준은 애초 기대보다 훨씬 낮을 것으로 예상된다. 이 결과로 리스터연금은 공적연금으로 삭감된 노후소득보장의 부족분을 완전히 보충하지는 못할 것으로 전망된다. 이에 따라 한국에서 리스터연금의 도입은 공적연금활성화, 사적연금시장의 투명성 강화, 공적연금과 사적연금의 협력적 관계 형성과 같은 전제조건이 갖추어진 이후에 고려될 수 있을 것으로 사료된다.