국민연금 자산이 노후소득에 미치는 영향 분석과 한국인의 은퇴 준비정도 추정

요 약 ······································································································9

Ⅰ. 서 론 ·······························································································25

Ⅱ. 예상소득대체율 추정의 새로운 방법론 ············································29
1. 기존연구의 한계 및 새로운 접근 ·················································29
2. 한국노동패널을 이용한 소득함수 및 자산대비 소득 비율의 추정 33

Ⅲ. 국민연금 연금자산의 통계적 추정 ···················································45
1. 기본연금액의 결정 ·······································································45
2. 표준화소득과 가입기간의 결정 ····················································48
3. 표준화 기본연금액(bpa)의 추정 결과 ··········································53

Ⅳ. 예상소득대체율의 산출과 국민연금 기대연금자산이 노후소득에
미치는 영향 ·····················································································55
1. 소득계층별 예상소득대체율의 산출 ············································55
2. 코호트별 예상소득대체율의 산출 ·················································57

Ⅴ. 결론 ·································································································61