• 한국인구학
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• 제24권1호
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• pp.149-182
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• 2001

인구고령화가 전세계적인 화두로 등장하는 이유는 사회가 공동으로 해결해야 할 복지욕구는 증대하는 한편, 이로 인한 사회적 부양부담의 증가는 경제적 생산력이 정체되고 있는 상황에서 인류사회의 지속 가능한 발전에 심각한 의문을 던져주기 때문이다. 특히 우리 나라는 인구고령화의 속도가 선진국에 비하여 매우 빠르게 가속적으로 진행되고 있으므로 효과적으로 대응하기 위해서는 보다 효과적이고 신축적인 경제사회시스템을 만들지 않으면 안된다. 특히 인구고령화 시대에도 지속 가능한 소득보장 체계의 확립은 무엇보다도 긴요하다. 본 논문은 노령화시대의 핵심과제라고 할 수 있는 \`소득보장\` 을 중심으로 개선방안을 제시해 보고자 하였다. 이를 위하여 먼저 노령화와 관련된 각종 경제·사회여건 변화 분석 및 현재 노인들의 소득원을 살펴보고(II 장), 현재의 공·사적연금제도의 문제점과 개선의 기본방향을 정리하며(III장), 공적연금제도의 개선방안에 대한 검토하고 (IV장), 마지막으로 퇴직금 등 사적 연금제도의 개선방안(V장)을 제시하고 있다. 본 논문은 현행 공적연금체계를 다층체계로 전환할 것을 제안하고 있다. 제1층은 전국민 1인 1 연금체계를 구축하여 기초연금을 지급하도록 하며, 제2층은 소득비례 공적 연금을 구축하며, 3층은 퇴직금, 기업연금, 개인연금의 민간 자율의 저축제도의 구축을 제안하고 있다. 이를 통하여 연금재정 안정화, 세대간·세대내 소득재분배의 적정화, 연금 사각지대의 해소가 가능하게 되어 인구노령화시대에 보다 효과적으로 대응할 수 있을 것으로 판단한다.

• 대한가정학회지
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• 제35권5호
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• pp.265-277
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• 1997

The purpose of this study are to identify the type and the amount of household's individual retirement account for retirement fund and to investigate the factors contributing to a individual pension account holding and an assessment. Data used in this study consisted of 2,667 households from 1994 KHPS. Statistics employed to analyze the data are Mean, Frequency, Percentile, Logistic and OLS. the result of this study were as follows; Among 2,677 households' 426 households(15.9%) owned the individual retirement account. Most household heads with individual retirement fund are the salaried and self-employed. More households with individual retirement account have saving account, stock than those without individual retirement account. Age, occupation of household head, total income, stock ownership had significant effects on whether household having individual retirement account. And Age of household head, net worth, saving account ownership had significant effects on the assessment of individual retirement account holding.

• 사회경제평론
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• 제29권1호
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• pp.99-117
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• 2016

본 연구에서는 미국 연방공무원 연금제도의 제도적 특성과 1980년대 중반 미국의 연방공무원 연금제도 개혁의 주요 내용들을 재평가할 것이다. 80년대 연방공무원 연금제도의 개혁을 이끌었던 핵심 조치는 1983년 사회보장법의 개정과 1986년 연방공무원 퇴직제도 법의 도입이었다. 다음으로 현재 미국 연방 공무원 연금제도로 병존하고 있는 CSRS(구 연방 공무원 연금제도)와 FERS(신 연방공무원 연금제도)의 주요 특성을 비교 검토할 것이다. 마지막으로 2015년 우리나라 공무원 연금개혁이 얼마나 부실하고 미진했는지를 우회적으로 보여주려는 취지에서 미국 연방공무원 연금제도 개혁의 주요 내용을 재음미해 볼 것이다.

• 대한가정학회지
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• 제48권6호
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• pp.83-101
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• 2010

Using the first wave of KLoSA(Korean Longitudinal study of Aging) beta version, this study analyzed factors affecting retirement adjustment by elapsed time from retiree's retirement through Binary Logit and Multinomial Logit Analysis. Participants were 1,780 retiree. The main results of this study were as follows : First, The retiree's education(-), health status(-), region(+), dwelling type(-), monthly household income(-), employment type before retirement(+), retirement reason(+), and the elapsed time from retirement(-) were affected whether they satisfied with pre-retirement or not. Second, The gender(-), age(-), and the region(+) were affected whether they satisfied with life after retirement or not. Third, The gender(-), age(-), education(+), heath status(+), dwelling type(+), monthly household income(+), retirement reason(-), and the elapsed time from retirement(+) were affected on their satisfaction after retirement compared to pre-retirement. Last, The different factors affected the life satisfaction after retirement by elapsed time from retirement.

• 가족자원경영과 정책
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• 제11권2호
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• pp.1-19
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• 2007

The purpose of this study was to analyze the affecting factors on employed mens' retirement and reemployment decision making. The focus was on the process of employed mens' decision on retirement and their reemployment decision after retirement from present job. The major findings were as follows ; First, the employed men who had a retirement plan were having more household income, more household net asset, more savings and investment for elderly life, and more positive attitude toward retirement. Second, the major factors affecting on having retirement plan or not were employed mens' age, household income, expected income after retirement, savings and investment for elderly life, job, and attitude toward retirement. Third, the major affecting factors on expected retirement age were employed mens' age, health status, job security, and attitude toward retirement. Forth, the employed mens' reemployment decision was affected from their household income, expected income after retirement, pension ownership, and attitude toward retirement. From the findings, it can be concluded that the employed mens' age, economic status, and attitude toward retirement played a important role in the process of retirement and reemployment decision making.

• 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.

• The Journal of Asian Finance, Economics and Business
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• 제7권5호
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• pp.279-290
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• 2020

This study examines how economic preparation for later life directly influences life after retirement. As people's life cycle is gradually getting longer, preparation for the later time with less economic activity after retirement is becoming more important. Thus, this study analyzes the factors influencing life after retirement. Data comes from the Korean Retirement and Income Study (KReIS) surveyed carried out by the National Pension Research Institute in 2015. The analysis includes Cronbach's alpha, Pearson Product Moment Correlation Coefficient and Sobel Test. This study confirms that voluntary retirement has a positive influence on life satisfaction. Results are in line with previous research about the relationship between voluntary retirement and retired life. When a person retires voluntarily, financial preparation can be made in advance for retirement. In case of involuntary retirement, people may experience a sense of loss in personal standing and financial difficulties due to the unexpected situation. Especially, early retirement from the main workplace leads to unstable later life. The study's policy recommendation, in particular, calls on government and businesses to agree on social responsibility for helping employees to retire in the predictable retirement time and, thus, enabling the retiree to decide all aspects of the path after retirement.

• 보건행정학회지
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• 제25권2호
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• pp.80-89
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• 2015

Background: This study aims to identify the monthly average medical expenses of public pension recipients, and analyze the determinants of total health and medical expenses and Western and Oriental medicine expenses, medical service expenses, and medical supplies expenses. Methods: This study used the fifth year data of 2013 out of the raw data of the Korean Retirement and Income Study collected by the National Pension Research Institute. This study conducted t-test, analysis of variance, and linear regression to verify publicly the relevance between pension recipients' general characteristics and health and medical expenses status using IBM SPSS ver. 21.0 for data analysis. Results: It was analyzed that there is a difference in the spending of expenditure and health care costs according to public pension recipients. Medical expenses of the national pensioners was higher compared to the special corporate pensioners. The national pensioner is related expenditure size, education level, family members living together, residential areas, status of spouse, number of chronic illness, and status of limitation in daily life with psychological health status. Conclusion: Therefore, fairness does not occur fire to the medical use between the special corporate pensioners and national pensioners, aggressive of government such as health policy and financial support for the retiree pension policy that reflects the reality intervention would be required.

• 한국노년학
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• 제31권1호
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• pp.15-31
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• 2011

본 연구는 우리나라 중·고령자의 노동시장 이탈이 다양한 형태로 나타난다는 점에 초점을 맞추어, 중·고령자의 은퇴 과정을 생애주된일자리, 가교일자리를 통해 살펴보고자 하였다. 이를 위해 1~3차년도 국민노후 보장패널(KReIS: Korean Retirement and Income Study)의 가구, 개인 및 직업력 자료를 활용하여 55세 이상 중·고령자들의 생애주된일자리, 가교일자리, 비취업의 비중이 어떻게 변하는지 살펴보고 생애주된일자리의 특성과 가교일자리의 특성을 분석하였다. 또한 중·고령자들의 노동시장 지위를 생애주된일자리 유지, 가교일자리, 비취업으로 나누어 이에 영향을 미치는 요인을 파악하였다. 분석결과 중·고령자들은 시간이 지나면서 생애주된일자리를 유지하는 비중이 감소하였으며, 가교일자리의 비중은 점차 높아지는 것으로 나타나 우리나라 중·고령자의 은퇴 과정에서 점차 '점진적 은퇴' 경향이 나타나고 있음을 확인하였다. 그리고 생애주된일자리와 가교일자리의 특성을 살펴본 결과, 가교일자리의 질이 생애주된일자리와 비교할 때 좋지 않은 것으로 나타났다. 마지막으로 중·고령자의 생애주된일자리 유지, 가교일자리, 비취업에 영향을 미치는 요인을 다항 로지스틱 분석을 통해 살펴본 결과, 중·고령자가 생애주된일자리를 그만 둔 이후 가교일자리에서 일하는 것은 이들의 경제적 필요에 의한 것임을 확인할 수 있었다. 이러한 결과는 가교일자리의 질을 담보할 수 있는 노동 시장정책의 확립, 그리고 생애주된일자리에서의 퇴출과 공적연금의 수급 사이의 소득 감소를 완화할 수 있는 소득보장정책의 필요성을 제기한다.

• 대한가정학회지
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• 제35권5호
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• pp.1.1-15
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• 1997

The purposes of this study were to identify the household's financial status by life cycle stage and no analyze contributing factors to financial planning for retirement preparation among Korean marred couples. For these purpose, 2074 married couples those being under 55 and having either single earner or dual earners were selected, and total sample was divided into three stages; young-aged(＜35), middle-aged(35-44) & old-aged(45-54). Statistics were frequencies, means, percentile, and logistic analysis. The results were as follows. First, old-aged had higher level of total income, total expenditure and total assets than either young-aged or middle-aged. In addition, households those holding private pensions were likely to have higher total income, total expenditure and total assets than those owning no private pension. while middle-aged had a highest total debts. Second, gini coefficients of total income and total expenditure between three aged groups were similar, but old-aged had the highest gini coefficient of total assets and total debts. In particular, gini coefficients of total assets and total debts of households those having no private pension were greater than those holding private pensions. third, contributing factors to private pension ownership of young-aged were family & household-related factor and financial factor, middle-aged's factors were household head's characteristics and financial factor. Also, old-aged's factors were household head's characteristics, family & household-related factor and financial factor.