공적연금 개시연령과 실질 퇴직연령의 불일치에 따른 퇴직가구의 빈곤화 연구: 가용자산을 중심으로

This study examines the impoverishment of no income households come from a gab between the public pension ages and the real retirement age using their available asset. The paper analyses the ability to exit poverty, poverty years, poverty exit years, sensitivity analysis. firstly, the result of the ability to exit poverty shows that the retirement households can fall in to poverty without working until the legal retirement age of 60. Because the ability to exit poverty of real retirement age of 51 is -29,691 ten thousand won, 52 is -23,482; 53 is -24,939; 54 is -15,459; 55 is -13,636; 56 is -2,169; 57 is 614; 58 is 4,736; 59 is 2,224; 60 is 8,980; 61 is 5,793. The households retired from 51 age to 57 age fall in to poverty, and those from 58 age to 61 age have impoverishment. Secondly, the result of poverty years and poverty exit years shows that it is impossible for the households retired from 51 age to 55 age to exit poverty. Because the poverty year of 51 age is 11 years, 52 is 10, 53 is 10, 54 is 7, 55 is 7. They experience poverty during over half of gab a between the public pension age and the real retirement age. finally, extension of real retirement age is more effective than increasing available asset or decreasing real expenditure for the improvement on the ability to exit poverty.