우리나라 근로자의 퇴직연금 선호요인 분석

Abstract

The objective of the present study is to investigate the preference factors of retirement pension and to identify the differences in the preference factors between the defined benefit plans(DB) and the defined contribution plans(DC) in the retirement pension plan. In attempt to clarify the preference factors, we use logistic regression model. As results of statistical analysis of the preference factors of retirement pension, the financial preparation for the livelihood in old age, the existence of personal pension policy, the type of job of respondents, and sex are revealed as significant preference factors. Specifically, we could not find a curvilinear relationship between income and the preference of retirement pension. Furthermore, the variables such as the financial preparation for the livelihood in old age, the intermediate adjustment of retirement allowance, the direction of supervision and regulation in retirement pension plan and age of respondent are statistically significant in the logistic model to identify the differences in the preference factors between the DC plan and the DB plan The present study finds its significance in suggesting measures to the insurance companies for advance into retirement pension market which will be introduced soon.