일본의 확정급부형 연금리스크와 제도 리스크에 대한 고찰

Abstract

For Japanese private companies, the pension system of employees can be divided into three categories. First, there is a national pension in which a certain amount of money is paid to all citizens aged 20 orolder, which is a public pension. Second, there is a welfare pension paid to the payer in proportion tothe salary while working at the workplace. Finally, there is a corporate pension that companies providefor their employees. The purpose of this study is as follows. First, it presents the risk of defined benefit type corporatepension corresponding to the corporate pension and the direction of institutional risk management. Second, it analyzes the direction of payment certificate system. Finally, in order for the corporatepension system to continue to develop appropriately as a system, it analyzes by dividing it into risk andrisk management. As a result of the study, for the ideal development of the pension system, it cannot be discussedwithout considering changes in the capital market of Japanese economy or changes in industrialstructure and population structure, and risk management of the pension system cannot be successfulunless it is done on these premises. It is certain that the payment certificate system contributes to thedevelopment of the pension system, but it is also true that there are limitations in the areas thatsupplement its contribution. In order for the Japanese economy to develop in the future, it should bedesirable that dynamic changes in the economy continue to occur.