노후소득보장 기능 강화를 위한 퇴직연금의 과제: 시장 창출, 시장 수정, 시장 보상의 관점에서

The study aims to comprehensively examine whether the Korean occupational pension plays a role in old age income security and to suggest future policy directions. To this end, an analysis framework is used to divide private welfare policies into market creating, market modifying, and market compensating perspectives. While active efforts surrounding market creating have been made, such as continuous mandatory coverage legislation trials and the introduction of small and medium-sized retirement pension funds, most market modifying and compensating measures such as benefit payment methods and beneficiary rights guarantees have been weak or unintroduced. This imbalance has occurred because so far, the occupational pension has mainly reflected the short-term interests of stakeholders. In order for the occupational pension to be a meaningful means of securing old age income to supplement public pensions, it should not only focus on market creating, but additional regulations in terms of market modifying and compensating should be prepared. It is necessary to discuss appropriate market modifying and compensating measures suitable for the institutional status of the occupational pension.