퇴직연금 내실화 방안으로서의 규제정책: 영국과 스위스의 경험 및 시사점
Regulatory Policy for the Development in Occupational Pension: Cases of the UK and Switzerland, and the Implication in Korea
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본 연구는 한국 퇴직연금이 점진적으로 모든 근로자에게 적용되어 확대되는 시점에서 퇴직연금의 규제정책을 모색한다. 사적연금의 확대는 선진국에서 보편적인 현상이며 이에 따라국가의 역할은 제공자에서 규제자로 전환되고 있다. 사적연금 규제정책은 매우 광범위하지만 민간복지제도에서 공공목적을 달성하기 위한 정책 수단으로 이해된다. 이를 위해서 영국과 스위스의 정책을 분석하는데, 영국의 경우 과거의 탈규제적인 사적연금 규제정책에서 수급권보호, 수수료 등에 대한 규제를 강화하고 개인의 선택권은 줄여왔다. 스위스의 경우에는DC 방식에서의 최소수익보장을 통해서 금융기관들을 효율적으로 제어해 왔다. 우리나라 퇴직연금은 도입 시부터 지속적으로 활성화 대책만 존재했을 뿐 체계적인 규제정책은 부재했다. 그 결과, 수수료, 적립규정, 수급권 보호 등 모든 부문에서 사용자와 가입자에게 부담을 증가시키고 있는 상태이다. 규제정책은 금융기관 영업행위 제한이 아니라 퇴직연금의 공적 목표 달성을 위한 전제조건임을 인식할 필요가 있다.
Abstract
This paper examines the regulatory policy in the Korean occupational pension at the point of time when it will expand to all employees in the near future. The expansion of private pension is a universal phenomenon in the advanced countries and, the role of government is changing from providers to regulators. The regulatory policy in private pension is widespread but it is generally thought as policy instruments to achieve public ends in private welfare systems. In regard to the matter, it compares regulatory policies between the UK and Swiss occupational pensions. While the UK has changed the policies from de-regulation, strengthening regulations such as fee and insolvency protection, Switzerland has efficiently regulated financial institutions through minimum interest rate. The Korean occupational pension has focused on the coverage extension only since its introduction but the systematic regulations have been absent. At the result, all elements such as fee, funding rule and insolvency protection are likely to increase the burden of members and companies. It is necessary to recognize that the regulatory policy is the prerequisites to achieve public ends in occupational pensions
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