국민연금 재정안정화 방안과 세대간 형평성 분석: 시나리오별 세대간 보험료 부담 비교

This study intends to point out insecurity of long-term sustainability of National Pension according to rapid population aging with extension of life expectancy and changing economic circumstance including slowing GDP growth rate, etc. In other words, depletion of the National Pension Fund Reserve occurs sooner than 2008 National Pension Fiscal Calculation in the Administration. So, this study proposes serveral reform scenarios with raising the insurance rate, adjusting the commencement age for issuing benefits and policy mix with above plan by experiences of OECD pension reform. If the Basic Pension is introduced as the current Administration proposes, inadeqaucy of benefit is solved by supplementing the lower benefit induced to above pension reform. This study proposes, under the adequacy of pension benefit, most appropriate reform in order to enhance generational equity through the actuary simulation model. The Analysis result shows that reform scenario to raise the insurance rate 12.9% and reform scenarios with adjusting the commencement age for issuing benefits are depleted the National Pension Fund Reserve before 2070 despite enhanced the generational equity by lowering net benefit of the older generation. It also shows that regardless of sex, it is derived problem of not enhancing the generational equity in dropping the ratio of total benefit to total insurance in one's mid-20s and 30s if we choose reform scenarios to raise the insurance rate 17%. In conclusion, this study, in preparation of aging, recommends that the insurance rate of National Pension should be raised to 12.9% by 2025 and the commencement age for issuing benefits should be adjusted every two years from 2013 to 67 by 2025 in order to secure fiscal sustainability and to enhance generational equity.