國民年金의 保險 및 扶助的 役割에 관한 考察

• 영문명: The Microeconomic Evaluation of the National Pension System in Korea
• 발행기관: 한국재정학회(구 한국재정·공공경제학회)
• 저자명: 文亨杓(Hyungpyo Moon)
• 간행물 정보: 『재정논집』재정논집 제7권, 63~79쪽, 전체 17쪽
• 주제분류: 경제경영 > 경제학
• 파일형태: PDF
• 발행일자: 1993.03.31

영문 초록

The purpose of this paper is to evaluate the current national old-age pension scheme introduced in 1988, in terms of its insurance and redistributive effects as well as the long-run financial solvency. National pension plan is viewed as a contributory social insurance scheme against the risks from agents’ uncertain lengths of lifetimes in the absence of private annuity market. Simulation results indicate that the expected rates of return of pension benefits, for all age cohorts and for all income levels, greatly exceed the level which guarantees the actuarial fairness, and, thus, each participant is expected to receive large amount of net gains from pension scheme. The amounts of net gains from participation are even larger for low-income earners and for early cohorts of retirees. Accordingly, national pension scheme plays substantial redistributive role within and across generations. Consequently, the current national pension system will inevitably incur financial insolvency problem in the future. It is estimated that the pension fund will be exhausted completely in around 2040. It is strongly recommended that Government should consider restructuring the current national old-age pension scheme to modify the unbalance between contributions and benefits.

목차

Ⅰ. 序論

Ⅱ. 模型: 年金의 社會保險的 役割

Ⅲ. 年金의 所得在分配的 役割

Ⅳ. 現行 國民年金制度의 檢討

Ⅴ. 結論

參考文獻