금융기관의 퇴직연금시장 진출준비 실태분석-은행 및 보험사를 중심으로-

The aim of this study is to analyze the actual preparedness of insurance companies for their entering into the retirement pension market in a try to help them gain a competitive edge against banks. For this purpose, a survey is conducted to 22 insurance companies and 13 banks which are supposed to be entrusted with operation of retirement pension system. The analysis shows that insurance companies are urgently required to employ one-stop service system for small and medium-sized businesses. It is also revealed that insurance companies should make an effort to develop systematic and independent operation plans for development(education) of retirement pension plan, call center, and pension contract with which insurance companies are known to be poorly geared compared with banks. It seems also desirable that insurance companies should establish strategies to reinforce infra-structures for retirement pension plan including added services, education/consulting, and sales organizations in a bid to secure their competitiveness. Since insurance companies are regarded normally to be inferior to banks in terms of service provision, abilities of risk-taking, and assets operation, they are requested to work out mid and long-term strategic plans to put themselves on a level with banks. In conclusion, insurance companies should keep developing key sectors that might improve their competitiveness in preparation for their entering into the retirement pension market and maintain a forward-looking attitude to cope with challenges by actively filling their own gaps.