• 문화기술의 융합
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• 제4권3호
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• pp.139-147
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• 2018

본 연구는 4차 산업혁명 시대에 부합하는 국민연금서비스는 어떠해야 하는가라는 문제의식으로 출발한다. 이를 위해 국내와 해외의 공공 및 민간 기관의 비대면 서비스 현황을 검토하고, 이를 바탕으로 중장기적으로 국민연금공단의 비대면 서비스를 활성화하기 위한 시사점을 도출하고자 한다. 먼저 국민연금공단의 비대면 서비스 현황과 본인인증 방식을 검토하였다. 다음으로 미국, 영국, 캐나다, 호주의 공적연금기관 및 민간기관의 비대면 공적연금서비스 현황 및 본인인증 방식을 검토하였다. 분석 결과에 기초한 시사점으로 4차 산업혁명의 국민연금서비스에 미치는 영향분석과 미래전략 도출, 업무별 비대면 신고 신청 방법의 채널 확대, 비대면 본인인증방식으로서 핀테크 도입, 연금서비스를 포함한 생활서비스를 통합적으로 관리할 인터넷통합포털 구축을 통한 서비스 채널 단일화를 제시하였다. 4차 산업혁명 시대 국민연금 비대면서비스의 장기적 과제로 정부민원 통합포털의 초연결성 확보, 인공지능로봇의 도입을 통한 지능화 및 자동화를 고려할 수 있다.

• 분석과 대안
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• 제2권2호
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• pp.67-91
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• 2018

본 연구는 공·사연금 제도의 협력 활성화의 필요성, 이를 위한 국내외 제도의 사례를 살펴보고, 한국에 적합한 공사연금 협력의 정보인프라 구축방안을 제시하려 하였다. 선진국은 최근 노후소득보장제도의 다층화에 주력하고 있으며, 연금교육과 정보서비스는 공사연금 협력의 핵심 요소로 등장하고 있다. 현재 한국에서 다층노후소득보장 체계의 틀은 갖추어졌으나 내실화되지 못하고 있다. 특히 연금제도에 대한 잘못된 인식과 정보가 연금제도의 정착에 큰 지장을 초래하고 있다. 이를 개선하기 위해 본 연구는 국가주도형인 아일랜드과 뉴질랜드, 민관협력형인 네덜란드, 민관분화형인 스웨덴의 사례를 분석하였다. 이 연구는 공사연금 협력의 기본인프라를 구축하기 위해 연금기관 간 정보교류와 협력의 촉진, 영세사업장 등의 공동실사체계 구축, 통합연금정보 서비스의 활성화를 제안하였다. 또한 네덜란드형의 민관협력형을 참고하여 '공사연금협회'의 구축을 제안하였다. 공사연금협회는 민간기관과 공적기관이 파트너로써 구축하고, 연금제도의 정보, 교육, 홍보와 관련된 모든 서비스를 통합, 관리한다.

• 가정과삶의질연구
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• 제26권3호
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• pp.37-52
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• 2008

The purpose of this study was to provide the valid data about residential-linked pension insurance development. The development was a part of national housing projects, which was an incentive for rural living of retired people, in order to relieve residential issues of elderly and revitalize rural communities by residents moving from cities. The insuring intent, decisive insuring factors and the residential service demand degree of people preparing retirement were analyzed. Data was collected in October, 2007. 364 Sample Subjects lived in Seoul Metropolitan area. Firstly, more than 90% of respondents had intention to purchase a residential-linked pension insurance and about 50% of them necessarily desired receiving premium for moving in. This indicated that it could be developed as an insurance which helped to meet housing expenses by housing-linked system, and in the mean time, it met the original purpose of pension insurance as the pension benefit could be guaranteed for all the insurance subscribers. Secondly, the respondents, whose income and private assets were higher, were able to pay more for insurance compared to average. Therefore, It was necessary to regulate monthly insurance bill and the payment period according to asset states of insurance subscribers after establishing certain amount of total insurance payment. Thirdly, by and large, it indicated the tendency that the less they prepare for older age the later they wanted to move into the pension insurance residence. It was inferred that in the case of insufficient preparation for older age, people preferred preparing behind time by postponing move in to moving in early to enjoy retired life, due to uncertainties. lastly, the respondents understood the significance of health, medical treatment and emergency management service and these two services were preferred as essential provided services. Because of the necessity of developing residential-linked pension insurance was found to be positive, further research to find the real cost, directives for operation and institutional support for this type of pension insurance might be needed.

• 디지털융복합연구
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• 제13권4호
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• pp.137-146
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• 2015

우리나라에서는 고령화가 세계 주요국들에 비해 가장 빠르게 진행되고 있다. 반면, 저금리 저성장의 영향으로 노후대비 자금을 마련하는 것이 더욱 어려워지고 있다. 본 연구의 목적은 향후 고령화시대에 대비하여 다양한 금융 서비스 제공의 필요성을 살펴보는데 있다. 각종 자료 분석 및 은행직원과 일반인을 대상으로 한 설문조사 결과는 다음과 같다. 우리나라의 소득 대체율 55%는 세계은행의 권고 수준 75% 대비 매우 낮았다. 은퇴 후 수입원 중 연금 비율 역시 미 일에 비해 크게 낮았다. 설문조사에 참여한 가장 많은 사람이 은퇴 이후 생활자금 규모로 매월 200-299 만원을 필요로 하였다. 노후대비 투자 상품으로는 연령대가 높을수록 예 적금 비중이 높았고 연령대가 낮을수록 보험 연금 비중이 높았다. 이러한 분석 결과를 토대로 재무 비재무 측면을 종합적으로 고려한 생애중심 재무 설계, 은퇴 단계별 솔루션 제시, 주택금융의 활성화 및 다양한 은퇴 설계상품 개발의 필요성이 제시되었다.

• 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.

• 가족자원경영과 정책
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• 제14권4호
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• pp.263-277
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• 2010

The purpose of this study was to investigate levels of self-esteem and related variables among the elderly. The data is from the Korea Welfare Panel Study conducted in 2007. The data was gathered from 2077 elderly, over 65 years old, and was analyzed by Step multiple regression analysis. The major results were as follows. First, the overall level of self-esteem was in the middle range, with an average of 28.18 points. Second, self-esteem levels showed significant differences in terms of gender, age, education level, health, spouse, health insurance, job, monthly household expenses, national pension, assets, home ownership, satisfaction with spouse, satisfaction with leisure, satisfaction with social network, economic services, medical services, and other services. Finally, Model 1 showed meaningful influences from gender, age, education level, health, spouse, and health insurance. Model 2 showed meaningful influences from education level, health, spouse, health insurance, job, and national pension. Models 3 and 4 showed meaningful influences from education level, health, job, satisfaction of spouse, satisfaction with leisure, and satisfaction with social network. In other words, the factors that had the most significant impact on self-esteem were satisfaction.

• 무역학회지
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• 제41권5호
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• pp.163-185
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• 2016

2015년 우리나라는 약 9,632억 달러의 무역규모와 약 902억 달러의 상품무역흑자를 달성한 반면, 서비스무역은 약 152억 달러의 적자를 기록하였다. WTO에 따르면 서비스무역은 부가가치 및 고용 창출효과가 높고, 국민의 소득수준, 삶의 질 등과 밀접하게 연결되는 특성을 가지고 있다. 본 연구는 2006년부터 2015년까지 12개 항목의 서비스무역 세분류통계 정보를 분석하고 지난 10년간 업종별 서비스무역의 대외경쟁력을 측정해 보았다. 분석결과 첫째, 상품무역규모대비 서비스무역규모는 점차 증가하고 있다. 둘째, 서비스무역 업종별 경쟁력분석을 통해 정책의 수립 및 지원의 우선순위를 고려할 수 있다. 마지막으로 서비스무역 내 업종 간 연계성과 서비스무역과 상품무역 간 연계성을 고려한 정책과제 수립이 필요하다고 할 수 있다.

• 한국보건간호학회지
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• 제21권2호
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• pp.182-192
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• 2007

Purpose: The objectives of this study were to define basic data for developing silver services related to goods, medical care, finance, leisure and residence. Method: In this cross-sectional study, the subjects were 792 pre-elderly and 382 elderly. The data were collected 2005 by using a structured questionnaire from Aug. 19 to Sep. 5. Data were analyzed using descriptive statistics on the SPSS version 12.0 for windows. Result: The pre-elderly had the intention to use massage chair(36.6%), homecare service(29.8%), national pension(35.9%), sports(48.5%) and personal house(59.5%) in the ares of silver goods, medical care, finance, leisure and residence, respectively. The elderly wanted sphygmomanometer(38.7%), homecare service(27.7%), pocket money from their offspring (40.5%), sports(33.5%), and personal house(74.8%). They wanted manpower in the area of reforming of living place, leisure time and education, counseling of silver goods, and management of finance. Conclusion: Based on this study findings, the pre-elderly are thoroughly established for their future than the elderly. It is important to upgrade the silver services and to prepare the manpower for the pre-elderly and the elderly in the future of the aging society.

• 한국지역사회생활과학회지
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• 제16권1호
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• pp.113-121
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• 2005

In this study, those previous research works are reviewed and summarized in various contexts, and this paper also describes the results of an empirical study done for the sample business workers in Korea, analyzing SQC and consumer's value. The surveyed data are statistically analysed to examine the relationship between SQC acquisition and consumer's value in the lodging industry, considering additional factors of business types of companies as well as the consumer's using purpose of service facilities. The important findings of the study can be summarized as follows: First, the business types of companies is an insignificant factor on the consumer's value by the quality certificated services, while the using purpose of service facilities(Hotel and Pension) is an significant factor. Second, the descriptive result is shown that consumers are willing to pay 21.47～31.24 % more than the un-certificated services for quality-certificated services. On the basis of these findings, some practical implications can be drawn for the effective management of the lodging industry. When a firm decides to establish a business plan, it should be considered the using purpose of service facilities.

• 농촌계획
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• 제25권3호
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• pp.29-36
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• 2019

The purpose of this study was to analyze affecting factors to consider and make decision on the urban-to-rural migrants using survey data. In the consideration model of urban-to-rural migrants, it was found that the more interest in "urban-to-rural migrants concern" was, the higher probability to consider about urban-to-rural migrants. The lower the age and income level, the higher probability to consider about the urban-to-rural migrants. In the decision making model of urban-to-rural migrants, the more interest in "urban-to-rural migrants concern" was, the higher probability to decision making of urban-to-rural migrants. The higher of stable pension income and the lower of the expected living cost, the higher probability of decision on urban-to-rural migrants. The results of this analysis show that it is necessary to continuous education to increase "interests and information about rural areas", and A number of safeguards are needed to ensure stable income after urban-to-rural migrants to increase the population of the urban-to-rural migrants.