노후소득 다층보장 결정요인에 대한 연구 : 베이비부머세대를 중심으로

This study investigates the determinants of multi-pillar pension in retirement preparation and provides directions and policy lines for building a multi-pillar pension system for retirement preparation. The purpose of this paper is to analyze the determinants of the multi-pillar pension and its building blocks. Today, Korea is facing low birth and high aging with increasing old age population and unstable employment. Recent reform in public pension system has made it necessary to adopt a multi-pillar pension for retirement preparation. In this study, response from 11,471 baby boomers born from 1955 to 1963 were analyzed. The Chi-square test and t-test were conducted for cross-tab analysis. Following this, logistic regression analysis was conducted for analyzing determinants of multi-pillar retirement preparation. The results of analysis are as follows: First, the coefficient of women as gender was –0.773 at 1% level of significance in determining the multi-pillar retirement preparation. This implies that women are weaker than men in retirement preparation. Second, it was also found that the coefficient of people variable without working income was –1.727 at 1% significant level. This result implies that working in old age is very important in retirement preparation. Third, it was found that the coefficient of education level variable above college was 0.5574 at the 1% level of significance. The results of this study are closely associated with the government's recent pension reform and have implications for improving national pension system.