중소기업 가입 제고를 통한 퇴직연금서비스 개편 방안

Major countries facing population aging have been enlarging the roles of private pensions along with reducing the roles of public pensions. During such alteration in the pension system, however, employees in the small businesses were went by the wayside in the retirement pension markets and related services. This study diagnoses the limits of retirement income security and suggests means of improving the pension system for the small businesses. This study also estimates the financial burden for the government along with the means and their effects on the retirement pension market for small businesses. It would be essential to establish a retirement pension fund for small businesses within the Korea Worker’s Compensation and Welfare Service since it has been already playing roles for retirement pension of small businesses with less than 30 employees. For the financial supports provided by the government to small businesses, it is advisable that the government shares the commission charge and premiums which is payed by the employer. We need to refer the British government which insist that such government’s role inducing self-supporting efforts of employees in small businesses will reduce financial burdens and be better even for economic growth in the long run.