{"id":2400,"date":"2026-01-26T08:55:43","date_gmt":"2026-01-25T23:55:43","guid":{"rendered":"https:\/\/www.pensionfutureforum.org\/index.php\/2026\/01\/26\/post-20260125-235543-3808\/"},"modified":"2026-01-26T10:12:55","modified_gmt":"2026-01-26T01:12:55","slug":"post-20260125-235543-3808","status":"publish","type":"post","link":"https:\/\/www.pensionfutureforum.org\/index.php\/2026\/01\/26\/post-20260125-235543-3808\/","title":{"rendered":"[\ub9e4\uacbd\ucd98\ucd94] \uce90\ub098\ub2e4 \uc5f0\uae08 \uc774\uc57c\uae30 (2026.01.23)"},"content":{"rendered":"

\uc774 \uce7c\ub7fc\uc740 \uce90\ub098\ub2e4(CPP) \uc5f0\uae08\uc81c\ub3c4 \uc6b4\uc601 \uc0ac\ub840\ub97c \uc6b0\ub9ac \uad6d\ubbfc\uc5f0\uae08\uacfc \ube44\uad50\ud558\uace0 \uc788\uc73c\ub098 \ub2e4\uc74c\uacfc \uac19\uc740 \uce21\uba74\uc5d0\uc11c \uad00\ub828 \ub0b4\uc6a9\uc774 \uc81c\ub300\ub85c \uc18c\uac1c\ub418\uc9c0 \uc54a\uace0 \uc788\ub2e4\ubcf4\ub2c8 \uc5f0\uae08\uc5f0\uad6c\ud68c \uc785\uc7a5\uc744 \ubc1d\ud788\uace0\uc790 \ud55c\ub2e4.<\/strong><\/span><\/p>\n

(\uc5f0\uae08\uc5f0\uad6c\ud68c \uc785\uc7a5)<\/strong><\/span><\/p>\n

\uad6d\ubbfc\uc5f0\uae08\uacf5\ub2e8 \uc7a5\uc7ac\ud601 \uae30\ud68d\uc774\uc0ac \uce7c\ub7fc\uc740 \uce90\ub098\ub2e4\uc5f0\uae08\uc758 \uc911\uc694\ud55c \ub0b4\uc6a9\ub4e4\uc744 \uc81c\ub300\ub85c \uae30\uc220\ud558\uc9c0 \uc54a\uace0 \uc788\ub2e4.<\/strong><\/span><\/p>\n

1999\ub144 \ubcf4\ud5d8\ub8cc\ub97c 9.9%\ub85c \uc62c\ub9b4 \ub2f9\uc2dc\uc758 \uce90\ub098\ub2e4 \uc5f0\uae08 \uc18c\ub4dd\ub300\uccb4\uc728\uc740 24% \uc218\uc900\uc774\uc5c8\uae30 \ub54c\ubb38\uc774\ub2e4!!!<\/strong><\/span><\/p>\n

\uc5f0\uae08\uc5f0\uad6c\ud68c\uc5d0\uc11c \ud2b9\ud788 \uac15\uc870\ud558\uace0 \uc788\ub294 \ubbf8\uc801\ub9bd\ubd80\ucc44\uac00 \uce90\ub098\ub2e4\uc5f0\uae08\uc81c\ub3c4\uc5d0\uc11c\ub294 \ubb38\uc81c\uac00 \ub418\uc9c0 \uc54a\ub294 \uc774\uc720\uac00 \ubc14\ub85c \uc5ec\uae30\uc5d0 \uc788\ub2e4!!!<\/strong><\/span><\/p>\n

\ucd5c\uadfc \uc5f0\uae08\uc81c\ub3c4 \uac1c\ud3b8 \uc774\uc804\uae4c\uc9c0\ub294 150\ub144 \ub4a4\uc5d0\ub3c4<\/strong><\/span>
\n\uc5f0\uae08 \uc904\ub3c8\uc744 \uac16\uace0 \uc788\uc5c8\ub358 \uc774\uc720\uc774\uae30\ub3c4 \ud558\ub2e4.<\/strong><\/span>
\n(\ucd5c\uadfc \uce90\ub098\ub2e4\uc5f0\uae08 \uac1c\ud3b8 \ub0b4\uc6a9\uc5d0 \ub300\ud574\uc11c\ub294 \uce90\ub098\ub2e4 \uc815\ubd80 \ubd80\ucc98 \uc0ac\uc774\uc758 \uc774\uacac\uc774 \ub9ce\uc558\uc5c8\ub2e4\uace0 \ud55c\ub2e4!! \uc774\uc804\ubcf4\ub2e4\ub294 \uc7ac\uc815 \ubd88\uc548\uc815 \uc694\uc778\uc774 \ubc1c\uc0dd\ud560 \uc218 \uc788\ub294 \ubc29\ud5a5\uc73c\ub85c\uc758 \uc5f0\uae08\uc81c\ub3c4 \uac1c\ud3b8\uc774\uc5c8\uae30 \ub54c\ubb38\uc774\ub2e4.)<\/strong><\/span><\/p>\n

\ubb34\uc5c7\ubcf4\ub2e4\ub3c4 \uce90\ub098\ub2e4\uc5f0\uae08\uc740 \uc804 \uc138\uacc4\uc5d0\uc11c \uac00\uc7a5 \uac15\ub825\ud55c \ud615\ud0dc\uc758 \uc790\ub3d9\uc870\uc815\uc7a5\uce58\ub97c \ub3c4\uc785\ud558\uace0 \uc788\ub2e4.<\/strong><\/span><\/p>\n

(2025\ub144 3\uc6d4 20\uc77c \uad6d\ubbfc\uc5f0\uae08\ubc95 \uac1c\uc815\uc548 \ud1b5\uacfc\uc2dc \ub2f9\uc2dc \uc5ec\ub2f9\uc774\uc5c8\ub358 \uad6d\ubbfc\uc758\ud798\uc758 \uac15\ub825\ud55c \ub3c4\uc785 \uc694\uad6c\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0 \ub05d\ub0b4 \ub3c4\uc785\ud558\uc9c0 \ubabb\ud588\ub358 \uc6b0\ub9ac\uc640 \uc5f0\uae08\uc81c\ub3c4 \uc6b4\uc601\uc5d0\uc11c \ub108\ubb34\ub098\ub3c4 \ud070 \ucc28\uc774\uac00 \ub098\ub294 \uc9c0\uc810\uc774\ub2e4.)<\/strong><\/span><\/p>\n

\uadf8\ub7f4\ub9ac\ub3c4 \uc5c6\uaca0\uc73c\ub098 \ub9cc\uc57d\uc5d0 \uce90\ub098\ub2e4\uc5f0\uae08\uc5d0\uc11c \uc7ac\uc815 \ubd88\uc548\uc815 \uc694\uc778\uc774 \uc0dd\uaca8\ub0ac\uc74c\uc5d0\ub3c4, \uc6b0\ub9ac\ub098\ub77c \uc815\uce58\uad8c\ucc98\ub7fc \uc7ac\uc815 \uc548\uc815\uc870\uce58\ub97c \ub9c8\ub828\ud558\ub294 \uac83\uc5d0 \ub300\ud574 \uc815\uce58\uad8c\uc5d0\uc11c \ub9c8\ub0e5 \ud0dc\uc5c5\uc744 \ud558\uace0 \uc788\uc744 \uacbd\uc6b0\uc5d0\ub294,<\/strong><\/span><\/p>\n

\ucd08\uc7a5\uae30\uac04\uc5d0 \uac78\uccd0 \uc7ac\uc815\uc548\uc815\uc774 \ub2ec\uc131\ub420 \uc218 \uc788\ub294 \uc790\ub3d9\uc870\uc815\uc7a5\uce58\ub97c \uac15\uc81c\ub85c \ub3c4\uc785\ud558\ub3c4\ub85d \ubc95\uc81c\ud654\uac00 \ub418\uc5b4 \uc788\uae30 \ub54c\ubb38\uc774\ub2e4. (\ubc95\uc5d0 \uba85\uc2dc\uac00 \ub418\uc5b4\uc788\ub2e4!!)<\/span><\/strong><\/span><\/p>\n

\ubb38\uc7ac\uc778 \uc815\ubd80 \uc2dc\uc808\uc5d0\ub294 \ub2f9\uc2dc \uae40\uc131\uc8fc \uad6d\ubbfc\uc5f0\uae08\uacf5\ub2e8 \uc774\uc0ac\uc7a5\uc774 \uc774 \uce7c\ub7fc\uc758 \ub0b4\uc6a9\ucc98\ub7fc \uce90\ub098\ub2e4\uc5f0\uae08 \uc6b4\uc601 \ud604\ud669\uc744 \uc815\ud655\ud558\uac8c \uc18c\uac1c\ud558\uc9c0 \uc54a\uc558\uc5c8\ub2e4.<\/strong><\/span><\/p>\n

\uadf8\ub7f0\ub370 \uc774\ubc88\uc5d0\ub294 \uc7a5\uc7ac\ud601 \uae30\ud68d\uc774\uc0ac\uac00 \uce90\ub098\ub2e4\uc5f0\uae08 \uc6b4\uc601 \ud604\ud669\uc744 \uad6d\ubbfc\uc5f0\uae08\ub4e4\uc5d0\uac8c \uc81c\ub300\ub85c \uc124\uba85\ud558\uc9c0 \uc54a\uace0 \uc788\ub2e4!!<\/strong><\/span><\/p>\n

(\uc774\ud558 \ub0b4\uc6a9\uc740 \uc7a5\uc7ac\ud601 \uad6d\ubbfc\uc5f0\uae08\uacf5\ub2e8 \uae30\ud68d\uc774\uc0ac <\/strong><\/span>\uce7c\ub7fc\uc758 \uc8fc\uc694 \ub0b4\uc6a9\uc774\ub2e4.)<\/strong><\/span><\/span><\/p>\n

\uce90\ub098\ub2e4\ub294 \uc6b0\ub9ac\uc640 \uc5ec\ub7ec \uba74\uc5d0<\/span>\uc11c \ube44\uc2b7\ud558\ub2e4. \uc778\uad6c\uc640 \uad6d\ub0b4\ucd1d\uc0dd\uc0b0(GDP) \uaddc\ubaa8, \uc81c\uc870\uc5c5 \uae30\ubc18\uc758 \uc0b0\uc5c5\uad6c\uc870\ub97c \uac00\uc9c4 \uba74\uc5d0\uc11c \uc720\uc0ac\ud558\uace0, \uacf5\uc801\uc5f0\uae08\uc744 \uc6b4\uc601\ud558\ub294 \ubc29\uc2dd\ub3c4 \ube44\uc2b7\ud574 \ud56d\uc0c1 \uc6b0\ub9ac\uc758 \ubca4\uce58\ub9c8\ud0b9 \ub300\uc0c1\uc774 \ub41c\ub2e4. \ubcf4\ud5d8\ub8cc \uc678\uc5d0 \ubcf4\ud5d8\ub8cc\ubcf4\ub2e4 \ud070 \uc218\uc775\uae08\uc744 \ub9e4\ub144 \ucc3d\ucd9c\ud574 \uc5f0\uae08\uc744 \uc9c0\uae09\ud558\uace0, \ub0a8\ub294 \ucc28\uc561\uc740 \ub2e4\uc2dc \uc801\ub9bd\uae08\uc5d0 \uc313\uc544 \uae30\uae08 \ud1b5\uc7a5\uc744 \ud0a4\uc6cc\uac00\ub294 \ubc29\uc2dd\uc774\ub2e4.<\/strong><\/span><\/p>\n

\uce90\ub098\ub2e4\ub294 1997\ub144\uacfc 2016\ub144 \ub450 \ucc28\ub840\uc758 \uc5f0\uae08\uac1c\ud601\uc744 \ub2e8\ud589\ud588\ub294\ub370, ‘\ub354 \ub0b4\uace0 \ub354 \ubc1b\ub294’ \uc5f0\uae08\uac1c\ud601\uc774\uc5c8\ub2e4. \uce90\ub098\ub2e4\uac00 \uac1c\ud601\uc5d0 \ub098\uc120 \uc2dc\uae30\ub294 \uc57d 30\ub144 \uc804\uc778 1995\ub144\uc73c\ub85c \uac70\uc2ac\ub7ec \uc62c\ub77c\uac00\ub294\ub370, \uce90\ub098\ub2e4 \uc815\ubd80\uac00 20\ub144 \ud6c4\uc778 2015\ub144\ucbe4\uc5d0 \uac00\uba74 \uacf5\uc801\uc5f0\uae08\uc774 \uc644\uc804\ud788 \uace0\uac08\ub420 \uac83\uc774\ub77c\ub294 \ucda9\uaca9\uc801\uc778 \uc7ac\uc815\ubcf4\uace0\uc11c\ub97c \ubc1c\ud45c\ud55c \uac83\uc774 \uacc4\uae30\uc600\ub2e4. \ub2f9\uc2dc \uc7ac\ubb34\uc7a5\uad00\uc774\uc5c8\ub358 \ud3f4 \ub9c8\ud2f4\uc774 \uac1c\ud601\uc744 \uc8fc\ub3c4\ud558\uba74\uc11c 5.6%\uc5d0 \ubd88\uacfc\ud588\ub358 \uc5f0\uae08 \ubcf4\ud5d8\ub8cc\uc728\uc744 9.9%\uae4c\uc9c0 \ub2e8\uacc4\uc801\uc73c\ub85c \uc778\uc0c1\ud558\ub294 \ubc29\uc548\uc744 \uc81c\uc548\ud588\uace0 \ub3d9\uc2dc\uc5d0 \ub3c5\ub9bd\uc131\uacfc \uc804\ubb38\uc131\uc744 \ub300\ud3ed \uac15\ud654\ud55c CPPI\ub97c \ubc1c\uc871\uc2dc\ucf30\ub2e4. \ubcf4\ud5d8\ub8cc\uc728 \ub300\ud3ed \uc778\uc0c1 \ud56d\uc758\uc5d0 \ub300\ud574\uc11c\ub294 \uae30\uae08 \uc6b4\uc6a9 \uc131\uacfc\uc5d0 \ub530\ub77c \uc5f0\uae08 \uc9c0\uae09\ub960(\uc18c\ub4dd\ub300\uccb4\uc728)\uc744 \uc62c\ub9ac\uaca0\ub2e4\ub294 \uc57d\uc18d\uc744 \ud558\ub294 \uac83\uc73c\ub85c \ubb34\ub9c8\ud588\ub2e4. \uacb0\uacfc\uac00 \uc5b4\ub560\uc744\uae4c?<\/strong><\/span><\/p>\n

(\uc911\ub7b5)<\/strong><\/span><\/p>\n

\uc6b0\ub9ac\ub3c4 \uce90\ub098\ub2e4\uc640 \ube44\uc2b7\ud55c \uacbd\ub85c\ub97c \ubc1f\uc544\uac00\uace0 \uc788\ub2e4. \uc791\ub144 3\uc6d4\uc5d0 ‘\ub354 \ub0b4\uace0 \ub354 \ubc1b\ub294’ \uc5f0\uae08\uac1c\ud601\uc5d0 \uc131\uacf5\ud588\uc73c\uba70 ‘\ubcf4\ud5d8\ub8cc\uc728 \uc778\uc0c1\u2192\uae30\uae08 \uc218\uc775\uae08 \ucc3d\ucd9c\u2192\uc801\ub9bd \uae30\uae08 \ud655\ucda9’ \uc21c\uc73c\ub85c \uc9c4\ud589\ub420 \uac83\uc774\ub2e4. \uc774\ub7ec\ud55c \ubc29\uc2dd\uc758 \uc5f0\uae08\uac1c\ud601\uc740 \uccad\ub144\uce35\uc5d0\uac8c \uac00\uc7a5 \uc720\ub9ac\ud558\ub2e4. \ubcf4\ud5d8\ub8cc \uc778\uc0c1\uc740 \ucd5c\uc18c\ud654\ud558\uba74\uc11c \ub298\uc5b4\ub098\ub294 \uc218\uc775\uae08\uc73c\ub85c \uae30\uc131\uc138\ub300 \uc5f0\uae08\uc744 \uc9c0\uae09\ud558\uace0\ub3c4 \ub0a8\ub294 \uc801\ub9bd\uae08\uc744 \ubb3c\ub824\ubc1b\uc744 \uc218 \uc788\uae30 \ub54c\ubb38\uc774\ub2e4. \uc791\ub144 3\uc6d4\uc758 \uac1c\ud601\uc5d0\uc11c \ubcf4\ud5d8\ub8cc\uc728 \uc778\uc0c1\uacfc \ud568\uaed8 \uc18c\ub4dd\ub300\uccb4\uc728\ub3c4 3%\ud3ec\uc778\ud2b8 \uc62c\ub838\ub294\ub370(40%\u219243%), \uae30\uc874 \uc5f0\uae08 \uc218\uae09\uc790\uc5d0\uac8c\ub294 \uc801\uc6a9\ud558\uc9c0 \uc54a\uace0 \uc55e\uc73c\ub85c\uc758 \ub0a9\ubd80 \uae30\uac04\uc5d0\ub9cc \uc801\uc6a9\ud558\uae30 \ub54c\ubb38\uc5d0 \uc8fc\ub85c \uccad\ub144\uce35\uc774 \uc218\ud61c\uc790\uac00 \ub41c\ub2e4. \uac70\uae30\uc5d0\ub2e4 \uccad\ub144\uce35 \ubd88\uc548 \ud574\uc18c\ub97c \uc704\ud574 \uad6d\uac00 \uc9c0\uae09\ubcf4\uc7a5 \uc758\ubb34\ud654 \uaddc\uc815\uc774 \uc2e0\uc124\ub410\uace0 \ucd9c\uc0b0 \ubc0f \uad70\ubcf5\ubb34 \ud06c\ub808\ub514\ud2b8\ub3c4 \ud68d\uae30\uc801\uc73c\ub85c \uac1c\uc120\ub410\ub2e4.<\/strong><\/span><\/p>\n

\uc6b0\ub9ac \uad6d\ubbfc\uc5f0\uae08\uc758 \ud5a5\ud6c4 \uacfc\uc81c\ub294 \uce90\ub098\ub2e4 CPPI\uc5d0 \ub4a4\uc9c0\uc9c0 \uc54a\ub294 \uc6b4\uc6a9 \uc131\uacfc\ub97c \uc7a5\uae30\uc801\uc73c\ub85c \ub0b4\ub294 \uc77c\uc774\ub2e4. \uc774\uac83\uc774 ‘\ub354 \ub0b4\uace0 \ub354 \ubc1b\ub294’ \uc5f0\uae08\uac1c\ud601 \uc131\uacf5\uc744 \ub2f4\ubcf4\ud560 \uc218 \uc788\ub294 \ud575\uc2ec \uc5f4\uc1e0\uac00 \ub41c\ub2e4. \uc55e\uc73c\ub85c 20\ub144 \ud6c4\ucbe4\uc5d0\ub294 \uad6d\ubbfc\uc5d0\uac8c \uac00\uc7a5 \uc0ac\ub791\ubc1b\ub294 \uad6d\ubbfc\uc5f0\uae08\uc774 \ub418\uae38 \ud76c\ub9dd\ud55c\ub2e4.<\/strong><\/span><\/p>\n

https:\/\/n.news.naver.com\/article\/009\/0005626480?sid=110<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

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