{"id":3049,"date":"2026-02-20T10:10:56","date_gmt":"2026-02-20T01:10:56","guid":{"rendered":"https:\/\/www.pensionfutureforum.org\/index.php\/2026\/02\/20\/post-20260220-011056-5444\/"},"modified":"2026-02-20T10:15:36","modified_gmt":"2026-02-20T01:15:36","slug":"post-20260220-011056-5444","status":"publish","type":"post","link":"https:\/\/www.pensionfutureforum.org\/index.php\/2026\/02\/20\/post-20260220-011056-5444\/","title":{"rendered":"[\uc2dc\ub860] \uc6b0\uc6b8\ud55c \uacf5\uc801 \uc5f0\uae08 \ud604\uc8fc\uc18c (2015.08.05.)"},"content":{"rendered":"

(\uc774\ubbf8 10\ub144 \uc804\uc5d0 \uc6b0\ub9ac\ub098\ub77c \uad6d\ubbfc\uc5f0\uae08\uc758 \uac00\uc7a5 \ud070 \ubb38\uc81c\ub294 \uc18c\ub4dd\ub300\uccb4\uc728\uc774 \uc544\ub2cc, \uacbd\uc9c1\uc801\uc778 \ub178\ub3d9\uc2dc\uc7a5\uc5d0 \uae30\uc778\ud55c \uc9e7\uc740 \uad6d\ubbfc\uc5f0\uae08 \uac00\uc785\uae30\uac04\uc5d0 \uc788\uc74c\uc744 \uac15\uc870\ud588\ub358 \uce7c\ub7fc\uc774\ub2e4.)<\/span><\/strong><\/span><\/p>\n

\uad00\ub300\ud558\uae30\ub85c \uc18c\ubb38\ub0ac\ub358 \ub3c5\uc77c \uc5ed\uc2dc \ubb34\uc9c0\ub9c9\uc9c0\ud55c \uac1c\ud601\uc744 \ub2e8\ud589\ud588\ub2e4. \uc77c\ubcf8\uacfc \uac19\uc740 \ud574\uc778\u00a02004\ub144 \uc77c\ubcf8\ubcf4\ub2e4 \ub354 \uac15\ud55c \uc790\ub3d9\uc548\uc815\uc7a5\uce58\ub97c \ub3c4\uc785\ud588\ub2e4. <\/strong><\/span><\/p>\n

\ub178\uc778\uc778\uad6c \uc99d\uac00\uc640 \uc800\uc131\uc7a5 \uc678\uc5d0 \ucd9c\uc0b0\uc728\uc774 \ub5a8\uc5b4\uc9c0\ub294 \uac83\uae4c\uc9c0 \uc5f0\uae08\uc561\uc5d0 \uc790\ub3d9 \ubc18\uc601\ud558\ub294 \uc21c\ub3c4\u00a0100%\uc9dc\ub9ac \uc790\ub3d9\uc548\uc815\uc7a5\uce58\ub97c \ub3c4\uc785\ud55c \uac83\uc774\ub2e4. <\/span><\/p>\n

\uc81c\ub300\ub85c \ub41c \uc870\uce58\ub97c \ud558\ub2e4 \ubcf4\ub2c8\u00a070%\uc600\ub358 \uc18c\ub4dd\ub300\uccb4\uc728\uc774 \ubc8c\uc368\u00a040% \ucd08\ubc18\uc73c\ub85c \ub5a8\uc5b4\uc84c\uace0. \uc774\ub97c \uc720\uc9c0\ud558\uae30 \uc704\ud574 \ub0b4\ub294 \ubcf4\ud5d8\ub8cc\ub294\u00a020%\uc120\uc774\ub2e4.<\/span><\/p>\n

2015\ub144 \ud604\uc7ac \uc6b0\ub9ac \uad6d\ubbfc\uc5f0\uae08\uc758 \uc18c\ub4dd\ub300\uccb4\uc728\uc740\u00a046.5%(\ubcf4\ud5d8\ub8cc\ub294 9%)\ub85c\u00a043% \uc218\uc900\uc778 \ub3c5\uc77c\ubcf4\ub2e4 \ub192\ub2e4. <\/strong><\/span><\/p>\n

\uc0c1\ud669\uc774 \uc774\ub7ec\ud55c\ub370\ub3c4 \ub178\ud6c4\uc18c\ub4dd\ubcf4\uc7a5\uc774 \ucda9\ubd84\uce58 \uc54a\ub2e4\uace0 \uc18c\ub4dd\ub300\uccb4\uc728\uc744\u00a050%\ub85c \ub2e4\uc2dc \uc62c\ub9ac\uc790\ub294 \uc8fc\uc7a5\ub4e4\uc774 \uc81c\uae30\ub418\uace0 \uc788\ub2e4. <\/span><\/p>\n

\uc18c\ub4dd\ub300\uccb4\uc728\uc744\u00a050%\ub85c \uc62c\ub9ac\uba74 \ubcf4\ud5d8\ub8cc\uc758 4%\ud3ec\uc778\ud2b8 \uc778\uc0c1\uc694\uc778\uc774 \ubc1c\uc0dd\ud558\uace0 \uc7ac\uc815 \uc548\uc815\ud654\uc5d0 \ud544\uc694\ud55c \ubcf4\ud5d8\ub8cc\uac00\u00a016% \uc774\uc0c1\uc740 \ub3fc\uc57c \ud55c\ub2e4\ub294 \uc0ac\uc2e4\uc740 \ubaa8\ub974\ub294 \ucc99\ud558\uba74\uc11c \ub9d0\uc774\ub2e4. <\/strong><\/span><\/p>\n

\ud604\uc7ac \ub178\ub3d9\uc2dc\uc7a5\uc758 \ud589\ud0dc\uac00 \uadf8\ub300\ub85c \uc774\uc5b4\uc9c8 \uacbd\uc6b0 \uc18c\ub4dd\ub300\uccb4\uc728\uc744\u00a040%\uc5d0\uc11c\u00a050%\ub85c \uc62c\ub824\ubd10\uc57c\u00a035\ub144 \ub4a4\uc778\u00a02050\ub144 \uc2e4\uc81c \uc18c\ub4dd\ub300\uccb4\uc728\uc740\u00a02.8%\ud3ec\uc778\ud2b8 \uc99d\uac00\uc5d0 \uadf8\uce60 \uac83\uc73c\ub85c \uc608\uc0c1\ub41c\ub2e4\ub294 \uc810\ub3c4 \ubb38\uc81c\ub2e4. <\/strong><\/span><\/p>\n

\ud3c9\uade0 \uac00\uc785\uae30\uac04\uc774 \uc9e7\uc544 \uc2e4\uc81c \uc18c\ub4dd\ub300\uccb4\uc728 \uc99d\uac00\ub85c \uc774\uc5b4\uc9c0\uc9c0 \ubabb\ud558\uae30 \ub54c\ubb38\uc774\ub2e4. <\/span><\/p>\n

\uc774\ub294 \uc18c\ub4dd\ub300\uccb4\uc728\uc774 \uc544\ub2c8\ub77c \ub178\ub3d9\uc2dc\uc7a5\uc5d0 \uc624\ub798 \uba38\ubb3c\ub7ec \uac00\uc785\uae30\uac04\uc744 \uc5bc\ub9c8\ub098 \ub354 \ub298\ub9b4 \uc218 \uc788\ub290\ub0d0\uc5d0 \ubb38\uc81c\uc758 \ud575\uc2ec\uc774 \uc788\uc74c\uc744 \uc2dc\uc0ac\ud55c\ub2e4. <\/span><\/strong><\/p>\n

\uc5f0\uae08 \uc9c0\uae09\ub960\uc744\u00a040% \ucd08\ubc18\uae4c\uc9c0 \ub5a8\uc5b4\ub728\ub9b0 \ub3c5\uc77c\uc774 \ud070 \ubb38\uc81c\uc5c6\uc774 \uc5f0\uae08\uc81c\ub3c4\ub97c \uc6b4\uc601\ud558\ub294 \ubc30\uacbd\ub3c4 \ud3c9\uade0 \uac00\uc785\uae30\uac04\uc774 \uae38\uae30 \ub54c\ubb38\uc774\ub2e4.<\/span><\/p>\n

\uc804 \uc138\uacc4\uc5d0\uc11c \uac00\uc7a5 \ube60\ub978 \uc18d\ub3c4\ub85c \ub178\uc778\uc778\uad6c\uac00 \uc99d\uac00\ud558\ub294 \uc6b0\ub9ac\ub294 \uc77c\ubcf8\uc774\ub098 \ub3c5\uc77c\ubcf4\ub2e4 \ub354 \uac15\ud55c \uac1c\ud601\uc744 \ud574\uc57c \uc774\ub4e4\uacfc \uc720\uc0ac\ud55c \ud6a8\uacfc\ub97c \uae30\ub300\ud560 \uc218 \uc788\ub2e4. \uc0c1\ud669\uc774 \uc774\ub7f0\ub370\ub3c4 \uc5f0\uae08\ubb38\uc81c\ub97c \ud3ec\ud568\ud55c \uc804\ubc18\uc801\uc778 \ubcf5\uc9c0\ubb38\uc81c\uac00 \uc815\uc7c1\uc758 \ud55c\uac00\uc6b4\ub370\uc5d0 \ub193\uc5ec \uc788\ub294 \uc6b0\ub9ac \uc0ac\ud68c\ub97c \ubc14\ub77c\ubcf4\ub178\ub77c\uba74 \ud55c\uc228\ub9cc \ub098\uc628\ub2e4.<\/span><\/p>\n

https:\/\/n.news.naver.com\/article\/011\/0002721735?sid=110<\/a><\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

(\uc774\ubbf8 10\ub144 \uc804\uc5d0 \uc6b0\ub9ac\ub098\ub77c \uad6d\ubbfc\uc5f0\uae08\uc758 \uac00\uc7a5 \ud070 \ubb38\uc81c\ub294 \uc18c\ub4dd\ub300\uccb4\uc728\uc774 \uc544\ub2cc, \uacbd\uc9c1\uc801\uc778 \ub178\ub3d9\uc2dc\uc7a5\uc5d0 \uae30\uc778\ud55c \uc9e7\uc740 \uad6d\ubbfc\uc5f0\uae08 \uac00\uc785\uae30\uac04\uc5d0 \uc788\uc74c\uc744 \uac15\uc870\ud588\ub358 \uce7c\ub7fc\uc774\ub2e4.) \uad00\ub300\ud558\uae30\ub85c \uc18c\ubb38\ub0ac\ub358 \ub3c5\uc77c \uc5ed\uc2dc \ubb34\uc9c0\ub9c9\uc9c0\ud55c \uac1c\ud601\uc744 \ub2e8\ud589\ud588\ub2e4. \uc77c\ubcf8\uacfc \uac19\uc740 \ud574\uc778\u00a02004\ub144 \uc77c\ubcf8\ubcf4\ub2e4 \ub354 \uac15\ud55c \uc790\ub3d9\uc548\uc815\uc7a5\uce58\ub97c \ub3c4\uc785\ud588\ub2e4. \ub178\uc778\uc778\uad6c \uc99d\uac00\uc640 \uc800\uc131\uc7a5 \uc678\uc5d0 \ucd9c\uc0b0\uc728\uc774 \ub5a8\uc5b4\uc9c0\ub294 \uac83\uae4c\uc9c0 \uc5f0\uae08\uc561\uc5d0 \uc790\ub3d9 \ubc18\uc601\ud558\ub294 \uc21c\ub3c4\u00a0100%\uc9dc\ub9ac \uc790\ub3d9\uc548\uc815\uc7a5\uce58\ub97c \ub3c4\uc785\ud55c \uac83\uc774\ub2e4. \uc81c\ub300\ub85c \ub41c \uc870\uce58\ub97c \ud558\ub2e4 \ubcf4\ub2c8\u00a070%\uc600\ub358 \uc18c\ub4dd\ub300\uccb4\uc728\uc774 \ubc8c\uc368\u00a040% […]<\/p>\n","protected":false},"author":11,"featured_media":3048,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"bBlocksCursorData":"","_kadence_starter_templates_imported_post":false,"footnotes":""},"categories":[9,10],"tags":[],"class_list":["post-3049","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-data-insights","category-expert-column"],"acf":[],"yoast_head":"\n[\uc2dc\ub860] \uc6b0\uc6b8\ud55c \uacf5\uc801 \uc5f0\uae08 \ud604\uc8fc\uc18c (2015.08.05.) - \uc5f0\uae08\uc5f0\uad6c\ud68c<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link 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