{"id":3062,"date":"2026-02-20T11:46:05","date_gmt":"2026-02-20T02:46:05","guid":{"rendered":"https:\/\/www.pensionfutureforum.org\/index.php\/2026\/02\/20\/post-20260220-024605-5767\/"},"modified":"2026-02-23T13:32:44","modified_gmt":"2026-02-23T04:32:44","slug":"post-20260220-024605-5767","status":"publish","type":"post","link":"https:\/\/www.pensionfutureforum.org\/index.php\/2026\/02\/20\/post-20260220-024605-5767\/","title":{"rendered":"[\uc5f4\ub9b0\uc138\uc0c1] \uae30\ucd08\uc5f0\uae08 \ud574\ubc95\uc744 \uc704\ud55c \uace0\uc5b8\/\uc724\uc11d\uba85 \ud55c\uad6d\ubcf4\uac74\uc0ac\ud68c\uc5f0\uad6c\uc6d0 \uc5f0\uae08\uc5f0\uad6c\uc13c\ud130\uc7a5 (2014.02.14.)"},"content":{"rendered":"

(2013\ub144 \ub2f9\uc2dc <\/strong><\/span><\/p>\n

\uae30\ucd08\uc5f0\uae08 \ub3c4\uc785 \ub17c\uc7c1\uc774 \uc815\uce58\uad8c\uc5d0\uc11c \uc808\uc815\uc5d0 \ub2ec\ud588\ub358 \uadf8 \ub2f9\uc2dc\uc758 \uae30\ucd08\uc5f0\uae08 \ud574\ubc95\uc744 \uc704\ud55c \uace0\uc5b8\uc774\ub2e4.<\/strong><\/span><\/p>\n

\ub2f9\uc2dc \uc11c\uc6b8\uc2e0\ubb38\uc740 \uc0ac\uc124\uc744 \ud1b5\ud574 \uc815\uce58\uad8c\uc5d0 \uad8c\uace0\ud588\ub2e4. \uc774 \uce7c\ub7fc\uc5d0\uc11c \uc5b8\uae09\ub41c \uace0\uc5b8\uc744 \ub530\ub974\ub77c\uace0!!!<\/strong><\/span><\/p>\n

\ub2f9\uc2dc \uc6b0\ub9ac \uc815\uce58\uad8c\uc774 \uadf8 \uace0\uc5b8\uc744 \ub530\ub790\uc5c8\ub2e4\uba74, \ud604\uc7ac\uc758 \uc774 \ub108\ubb34\ub3c4 \uc5b4\ucc98\uad6c\ub2c8\uac00 \uc5c6\ub294 \uae30\ucd08\uc5f0\uae08\uc774\ub77c\ub294 \uace8\uce6b\ub369\uc5b4\ub9ac\ub294 \ub098\ud0c0\ub098\uc9c0 \uc54a\uc558\uc744 \uac83\uc774\ub2e4.<\/strong><\/span><\/p>\n

\ud604\uc7ac \uc9c4\ud589\ub418\uace0 \uc788\ub294 \uc790\ub3d9\uc870\uc815\uc7a5\uce58 \ub3c4\uc785\uc744 \ud3ec\ud568\ud55c \uad6d\ubbfc\uc5f0\uae08 \uad6c\uc870\uac1c\ud601 \ub17c\uc7c1 \uc5ed\uc2dc, \uc2dc\uac04\uc774 \uc9c0\ub098\uc11c \ubcf4\uba74 \uae30\ucd08\uc5f0\uae08 \ud574\ubc95 \ub9c8\ub828 \ubc29\uc2dd\uacfc \uac70\uc758 \ub3d9\uc77c\ud55c \ubb38\uc81c\uc758\uc2dd\uc5d0\uc11c \ucd9c\ubc1c\ud588\ub2e4\ub294 \uac83\uc744 \uc54c\uac8c \ub420 \uac83\uc774\ub2e4!!<\/strong><\/span><\/p>\n

\ud604\uc7ac \uc774\ub7f0 \uad34\ubb3c \uae30\ucd08\uc5f0\uae08\uc81c\ub3c4 \ub3c4\uc785\uc744 \uc801\uadf9 \uc639\ud638\ud588\uc5c8\ub358 \ub2f9\uc2dc\uc758 \uc5f0\uae08 \uc804\ubb38\uac00\ub77c\ub294 \ubd84\ub4e4, <\/strong><\/span><\/p>\n

\uc9c0\uae08 \uc790\uc2e0\ub4e4\uc758 \uacfc\uc624\ub97c \uc778\uc815\ud558\ub294 \uac83\uc774 \uc790\uc2e0\ub4e4\uc774 \uc804\ubb38\uac00\ub77c\ub294 \uc774\ub984\uc744 \uc0ac\uc6a9\ud574\uc654\ub358 \uac83\uc5d0 \ub300\ud55c \ucd5c\uc18c\ud55c\uc758 \uc608\uc758\ub85c \ubcf4\uc5ec\uc9c4\ub2e4!!!)<\/strong><\/span><\/p>\n

 <\/p>\n

\ud55c\uad6d \uc0ac\ud68c\uc5d0\uc11c \uae30\ucd08\uc5f0\uae08\uc740 \ub728\uac70\uc6b4 \uac10\uc790\ub2e4. \uc5f0\uae08\ubb38\uc81c\uac00\u00a02002\ub144 \ub300\ud1b5\ub839 \uc120\uac70\uc5d0 \ud070 \uc601\ud5a5\uc744 \ubbf8\ucce4\ub2e4\uace0 \ud310\ub2e8\ud55c \ud55c\ub098\ub77c\ub2f9\uc774 \uacbd\uc81c\ud611\ub825\uac1c\ubc1c\uae30\uad6c(OECD) \uae30\ucd08\uc5f0\uae08 \uad8c\uace0\uc548\uc744 \ubc1b\uc544\ub4e4\uc778 \ud6c4\ubd80\ud130\ub2e4. <\/span><\/strong><\/span><\/p>\n

\uc774\ud6c4 \ud328\ud134 \uc804\uac1c\ub294 \uc720\uc0ac\ud558\ub2e4. \uc815\ubd80\ub294 \uc7ac\uc6d0\uc870\ub2ec\uacfc \ubbf8\ub798\uc138\ub300 \ubd80\ub2f4 \uce21\uba74\uc744 \uace0\ub824\ud574 \uc120\ubcc4\uc801\uc778 \uc81c\ub3c4\ub97c, \uc57c\ub2f9\uc740 \ud45c \ud655\uc7a5 \uac00\ub2a5\uc131\uc73c\ub85c \ubcf4\ud3b8\uc801\uc778 \uae30\ucd08\uc5f0\uae08\uc744 \uc120\ud638\ud55c\ub2e4.<\/span><\/p>\n

\ub178\ubb34\ud604 \uc815\ubd80 \ucd08\uae30 \uae30\ucd08\uc5f0\uae08 \ubb38\uc81c\ub85c \uace0\uc131\uc774 \uc624\uac00\ub294 \uaca9\ub860\uc774 \uc788\uc5c8\ub2e4. 1\ub144\uc5ec \ub17c\ub780 \ub05d\uc5d0 \ubcf4\ud3b8\uc801 \uae30\ucd08\uc5f0\uae08 \ubd88\uac00\ub85c \uacb0\ub860\uc9c0\uc5c8\ub2e4. <\/span><\/strong><\/span><\/p>\n

\ubc15\uadfc\ud61c \uc815\ubd80\uc640 \uc720\uc0ac\ud55c \uae30\ucd08\uc5f0\uae08 \uacf5\uc57d\uc744 \ub0b4\uac78\uc5c8\ub358 \uc774\uba85\ubc15 \uc815\ubd80\ub3c4 6\uac1c\uc6d4\uc758 \ub17c\uc7c1 \ub05d\uc5d0 \uae30\ucd08\uc5f0\uae08 \ub3c4\uc785\uc744 \uc720\ubcf4\ud588\ub2e4. \uc774\uba85\ubc15 \uc815\ubd80\u00a0100\ub300 \uad6d\uc815\uacfc\uc81c\uc600\ub294\ub370\ub3c4 \ub9d0\uc774\ub2e4.<\/span><\/p>\n

18\ub300 \ub300\ud1b5\ub839 \uc120\uac70\ub85c \ucd09\ubc1c\ub41c \uae30\ucd08\uc5f0\uae08 \ub17c\uc7c1\uc740 \uac08\ub4f1\uc744 \ub354\uc6b1 \uc2ec\ud654\uc2dc\ud0a4\ub294 \ud615\uad6d\uc774\ub2e4. <\/span><\/strong><\/span><\/p>\n

\uae30\ucd08\uc5f0\uae08 \ubb38\uc81c\ub97c \ud611\uc758\ud560 \uc5ec\u00b7\uc57c\u00b7\uc815 \ud611\uc758\uccb4 \ud68c\uc758 \uc9c1\uc804 \ubc1c\ud45c\ub41c \ud55c\uad6d\ubcf4\uac74\uc0ac\ud68c\uc5f0\uad6c\uc6d0\uc758 \uae30\ucd08\uc5f0\uae08 \uc778\uc2dd \uc870\uc0ac\uac00 \ub17c\ub780\uc744 \ud0a4\uc6e0\ub2e4. \uac00\uc7a5 \ud070 \uc7c1\uc810\uc778 \uc5f0\uacc4\uc870\ud56d \uc124\ubb38\uc774 \ud3ec\ud568\ub418\uc9c0 \uc54a\uc740 \uc0c1\ud0dc\uc5d0\uc11c \uc870\uc0ac \uacb0\uacfc\uac00 \ubc1c\ud45c\ub418\uc5c8\ub2e4\ub294 \uc810\uc740 \uc544\uc26c\uc6c0\uc73c\ub85c \ub0a8\ub294\ub2e4.<\/span><\/p>\n

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

\uc5ec\u00b7\uc57c\u00b7\uc815 \ud611\uc758\uccb4\uc5d0 \ub2e4\uc74c\uacfc \uac19\uc740 \ubd80\ud0c1\uc744 \ud558\uace0 \uc2f6\ub2e4. <\/strong><\/span><\/p>\n

\ucd9c\uc0b0\uc728\uc774 \ub0ae\uc740 \uc0c1\ud669(2013\ub144\u00a01.18)\uc5d0\uc11c \ubbf8\ub798\uc138\ub300\uc5d0\uac8c \ud070 \ubd80\ub2f4\uc744 \uc8fc\uc9c0 \uc54a\uc73c\uba74\uc11c\ub3c4 \ube48\uace4\uc5d0 \ub178\ucd9c\ub41c \ub2e4\uc218 \uc5b4\ub974\uc2e0\ub4e4\uc744 \ubcf4\uc0b4\ud3b4 \ub4dc\ub9b4 \ubc29\uc548 \ub9c8\ub828\uc5d0 \ub17c\uc758\uc758 \ucd08\uc810\uc744 \ub9de\ucd94\uc790\ub294 \uac83\uc774\ub2e4. <\/span><\/strong><\/span><\/p>\n

\uc815\ubd80 \uc5ec\ub2f9\uc740 \ub17c\ub780\uc774 \uc801\uc9c0 \uc54a\uc740 \uad6d\ubbfc\uc5f0\uae08\uacfc \uae30\ucd08\uc5f0\uae08 \uc5f0\uacc4\uc548\uc744 \uc6d0\uc810\uc5d0\uc11c \uc7ac\uac80\ud1a0\ud574 \ubcf4\uace0, \uc57c\ub2f9\uc740 \uc815\ubd80 \uc5ec\ub2f9\uc774 \uc81c\uc548\ud55c \ucc28\ub4f1\uc9c0\uae09\uc758 \ud6a8\uacfc\uc131\uc744 \uae0d\uc815\uc801\uc73c\ub85c \uac80\ud1a0\ud574\ubcf4\uae30 \ubc14\ub780\ub2e4. <\/span><\/p>\n

\uad6d\ubbfc\uc5f0\uae08\uacfc \uae30\ucd08\uc5f0\uae08\uc744 \uc5f0\uacc4\ud558\uc9c0 \uc54a\ub294 \ub300\uc2e0\u00a070% \uc9c0\uae09 \uaddc\uc815\uc740 \ubcf8\ubc95\uc5d0\uc11c \uc0ad\uc81c\ud558\ub294 \ub300\uc548\uc744 \uc81c\uc548\ud558\uace0 \uc2f6\ub2e4. <\/span><\/strong><\/span><\/p>\n

\ud604\ud589 \uae30\ucd08\ub178\ub839\uc5f0\uae08\ucc98\ub7fc \ubcf8\ubc95\uc5d0\u00a070% \uc9c0\uae09\uaddc\uc815\uc774 \uc5c6\uc5b4\ub3c4 \ub178\uc778\u00a070%\uc5d0\uac8c \uae30\ucd08\uc5f0\uae08\uc744 \uc9c0\uae09\ud560 \uc218 \uc788\uc5b4\uc11c\ub2e4. <\/strong><\/span><\/p>\n

\uadf8\ub3d9\uc548 \uc6b0\ub9ac\ub098\ub77c \uc0b0\uc5c5 \ubc1c\uc804\uc5d0 \ud070 \uae30\uc5ec\ub97c \ud558\uc2e0 \uc5b4\ub974\uc2e0\ub4e4\ub3c4\u00a070% \ubc95 \uaddc\uc815\ubcf4\ub2e4\ub294 \ub204\uac00 \uc5bc\ub9c8\uc758 \uae30\ucd08\uc5f0\uae08\uc744 \ubc1b\uc744\uc9c0\uc5d0 \uad00\uc2ec\uc774 \ub354 \ub9ce\uc744 \uac83 \uac19\ub2e4. <\/span><\/p>\n

\uc5f0\uae08\uc561\uc740 \ucc28\ub4f1 \uc778\uc0c1\ud558\ub418, \uc808\ub300\ube48\uace4\uc5d0 \ub178\ucd9c\ub41c \ub178\uc778\uc5d0\uac8c\ub294\u00a020\ub9cc\uc6d0 \uc774\uc0c1 \uc9c0\uae09\ud558\ub294 \ubc29\uc548\ub3c4 \uace0\ub824\ud560 \ud544\uc694\uac00 \uc788\ub2e4. \ub192\uc740 \ub178\uc778\ube48\uace4\uc728\uc744 \uc644\ud654\ud560 \uc218 \uc788\uc5b4\uc11c\ub2e4.<\/strong><\/span><\/p>\n

\uae30\ucd08\uc5f0\uae08\ubc95\uc5d0\u00a070% \uc9c0\uae09\uaddc\uc815\uc744 \uaf2d \ub123\uc5b4\uc57c \ud55c\ub2e4\uba74 \ud0c4\ub825\uc801\uc778 \uc81c\ub3c4 \uc6b4\uc601\uc744 \uc704\ud574 \ubcf8\ubc95\uc774 \uc544\ub2cc \uc2dc\ud589\ub839\uc774\ub098 \uc2dc\ud589\uaddc\uce59\uc5d0 \ub123\uc744 \uac83\uc744 \uc81c\uc548\ud55c\ub2e4. <\/span><\/strong><\/span><\/p>\n

\ubcf4\ud3b8\uc801\uc778 \uc870\uc138\ubc29\uc2dd \uae30\ucd08\uc5f0\uae08\uc744 \uad8c\uace0\ud574 \uae30\ucd08\uc5f0\uae08 \ub17c\uc7c1\uc758 \ub2e8\ucd08\ub97c \uc81c\uacf5\ud55c \uacbd\uc81c\ud611\ub825\uac1c\ubc1c\uae30\uad6c(OECD)\ub3c4 \uc774\ubbf8\u00a02012\ub144 \uc120\ubcc4\uc801\uc778 \ucc28\ub4f1\uc9c0\uae09 \ubc29\uc2dd\uc73c\ub85c \uad8c\uace0\uc548\uc744 \ubc14\uafe8\ub2e4. <\/span><\/strong><\/span><\/p>\n

\ub178<\/span>\uc778\ube48\uace4 \uc644\ud654 \ud6a8\uacfc\ub294 \uc81c\ud55c\uc801\uc774\uba74\uc11c\ub3c4 \ub178\uc778\uc778\uad6c \uc99d\uac00\ub85c \uae09\uaca9\ud55c \ube44\uc6a9 \uc99d\uac00\uac00 \ubd88\uac00\ud53c\ud574\uc11c\ub2e4.<\/span><\/strong><\/span><\/p>\n

10\ub144 \uc774\uc0c1 \uae30\ucd08\uc5f0\uae08 \ub17c\uc7c1\uc744 \uc9c0\ucf1c\ubcf8 \ud544\uc790\uc758 \uace0\uc5b8(\u82e6\u8a00)\uc774\ub2e4. <\/span><\/strong><\/span><\/p>\n

\u2018\uc5ec\u00b7\uc57c\u00b7\uc815\u2019 \ud611\uc758\uccb4\ub294 \ud604\uc7ac \ub178\uc778\uc138\ub300\uc758 \ub192\uc740 \ube48\uace4\uc644\ud654 \ubb38\uc81c\uc5d0 \ub300\ud55c \uacb0\uc815\ub9cc\uc744 \ud558\uae30 \ubc14\ub780\ub2e4. <\/span><\/strong><\/span><\/p>\n

\ud6c4\uc138\ub300\uc5d0 \ub450\uace0\ub450\uace0 \uc9d0\uc774 \ub420 \uacb0\uc815\uc740 \ud558\uc9c0 \ub9d0\uc544 \ub2ec\ub77c\ub294 \ubd80\ud0c1\uc774\ub2e4. <\/span><\/strong><\/span><\/p>\n

\uc9c0\ubc29\uc120\uac70\ub97c \uace0\ub824\ud55c \ub2f9\ub9ac\ub2f9\ub7b5 \uc811\uadfc \ub300\uc2e0, \ubbf8\ub798\uc138\ub300 \ubd80\ub2f4 \uc804\uac00 \ucd5c\uc18c\ud654\uc640 \ub192\uc740 \ub178\uc778\ube48\uace4\uc728 \uc644\ud654\ubc29\uc548 \ub9c8\ub828\uc5d0 \uace8\ubab0\ud574 \uc8fc\uae30 \ubc14\ub780\ub2e4.<\/span><\/p>\n

https:\/\/n.news.naver.com\/article\/081\/0002399451?sid=110<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

(2013\ub144 \ub2f9\uc2dc \uae30\ucd08\uc5f0\uae08 \ub3c4\uc785 \ub17c\uc7c1\uc774 \uc815\uce58\uad8c\uc5d0\uc11c \uc808\uc815\uc5d0 \ub2ec\ud588\ub358 \uadf8 \ub2f9\uc2dc\uc758 \uae30\ucd08\uc5f0\uae08 \ud574\ubc95\uc744 \uc704\ud55c \uace0\uc5b8\uc774\ub2e4. \ub2f9\uc2dc \uc11c\uc6b8\uc2e0\ubb38\uc740 \uc0ac\uc124\uc744 \ud1b5\ud574 \uc815\uce58\uad8c\uc5d0 \uad8c\uace0\ud588\ub2e4. \uc774 \uce7c\ub7fc\uc5d0\uc11c \uc5b8\uae09\ub41c \uace0\uc5b8\uc744 \ub530\ub974\ub77c\uace0!!! \ub2f9\uc2dc \uc6b0\ub9ac \uc815\uce58\uad8c\uc774 \uadf8 \uace0\uc5b8\uc744 \ub530\ub790\uc5c8\ub2e4\uba74, \ud604\uc7ac\uc758 \uc774 \ub108\ubb34\ub3c4 \uc5b4\ucc98\uad6c\ub2c8\uac00 \uc5c6\ub294 \uae30\ucd08\uc5f0\uae08\uc774\ub77c\ub294 \uace8\uce6b\ub369\uc5b4\ub9ac\ub294 \ub098\ud0c0\ub098\uc9c0 \uc54a\uc558\uc744 \uac83\uc774\ub2e4. \ud604\uc7ac \uc9c4\ud589\ub418\uace0 \uc788\ub294 \uc790\ub3d9\uc870\uc815\uc7a5\uce58 \ub3c4\uc785\uc744 \ud3ec\ud568\ud55c \uad6d\ubbfc\uc5f0\uae08 \uad6c\uc870\uac1c\ud601 \ub17c\uc7c1 \uc5ed\uc2dc, \uc2dc\uac04\uc774 \uc9c0\ub098\uc11c \ubcf4\uba74 \uae30\ucd08\uc5f0\uae08 […]<\/p>\n","protected":false},"author":11,"featured_media":3061,"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-3062","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-data-insights","category-expert-column"],"acf":[],"yoast_head":"\n[\uc5f4\ub9b0\uc138\uc0c1] \uae30\ucd08\uc5f0\uae08 \ud574\ubc95\uc744 \uc704\ud55c \uace0\uc5b8\/\uc724\uc11d\uba85 \ud55c\uad6d\ubcf4\uac74\uc0ac\ud68c\uc5f0\uad6c\uc6d0 \uc5f0\uae08\uc5f0\uad6c\uc13c\ud130\uc7a5 (2014.02.14.) - \uc5f0\uae08\uc5f0\uad6c\ud68c<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, 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