[version in English follows from page 4] 한눈에보는연금 Pension at a Glance 2013 OECD 및 G20 지표 한국 p 한국노령층의거의절반은상대소득빈곤상태에있다. 한국의노인빈곤율은 OECD 국가중가장높으며 OECD평균의 4배에가깝다. 한국의노인부양비는향후 50년간 350% 이상증가해 OECD국가중가장높은증가폭을기록할것이며, 2062년경에는가장고령화된사회가될것이다. p 한국의유효노동시장은퇴연령은남성 71 세, 여성 70 세로 OECD 국가중각각멕시코, 칠레에이어두번째로높다. 공적연금시스템의역사가상대적으로길지않아현재연금지출이 GDP 1% 미만에불과하지만향후 50 년동안 GDP 의 6% 이상으로증가할것으로예상된다. 그결과한국의현재노인빈곤율은 OECD 국가중가장높다. 66 세와 75 세사이노인은전체인구와비교할때소득이평균적으로 62.4% 수준으로 OECD 평균 90.1% 에훨씬못미친다. 65 세이상노인빈곤율은 OECD 평균이 12.8% 인데반해한국은 2000 년대중반 45% 에서 47.2% 로증가해 OECD 에서가장높다. 이렇게한국의노인빈곤수준이높은주된이유는공적연금시스템이 1988 년에야도입되었고, 1999 년에야전국민으로확대되었기때문이다. 그러므로노인빈곤은공적연금시스템이성숙함에따라점차감소하겠지만현세대노인빈곤이문제가되고있다. 2000 년대후반노인소득빈곤율 출처 : OECD (2013), Pensions at a Glance 2013 1
한국은 OECD 국가중가장빠른속도로인구고령화를겪고있다. 현재는 65 세인구 1 명당근로연령인구가 5.6 명으로 OECD 국가중칠레, 멕시코, 터키에이어 4 번째로젊은나라이다. 한국의출산율이현재 1.32 에서 50 년후 1.75 로증가할것으로예상되고있지만여전히 OECD 국가중가장낮은수준이다. 한국의 65 세기점기대수명은여성 29.5 세, 남성 23.8 세로 2060-65 년에는일본다음으로높을것으로예상된다. 또 2062 년에는 65 세이상노인 1 명당근로연령인구가 1.2 명으로가장고령화된 OECD 국가가될것이다. 이는한국의연금재원조달에큰영향을미칠것이며, 노동시장정책도노령층근로자수용을위해변화가필요할것이다. 노인부양비율 출처 : OECD (2013), Pensions at a Glance 2013 주요지표 Korea OECD 총소득대체율 평균소득자 (%) 39.6 54.4 저소득자 (%) 59.2 71.0 GDP대비공적연금지출 % GDP 2.1 7.8 기대수명 출생시 81.3 79.9 65세기점 19.5 19.1 65세이상인구 근로연령층대비비중 (%) 17.9 25.5 평균소득 ( 연 ) 한화 ( 백만원 ) 38.5 45.5 주 : 대체율 (replacement rate) 은개인소득대비모든법정은퇴소득원으로부터의연금권한임 ( 연금의소득대체율 ), 2012 년노동시장에진입하는정규직근로자기준산정, 저소득자는평균의 50% 을버는것으로추정출처 : OECD (2013), Pensions at a Glance 2013: OECD 및 G20 지표 2
Notes to editors: 한눈에보는연금 OECD 및 G20 지표 2013 년 11 월 26 일오전 11 시발간 ( 파리시간 ) 본보고서는 2012 년연금규정및변수들을바탕으로 OECD 회원국과 G20 국가의연금지표를포함하고있다. 본보고서는 (i) 개혁의분배효과 ; (ii) 미래은퇴소득의적정성, 주택의역할, 금융자산및공적으로제공되는서비스등두개의특별한챕터가있다. 363pp. ISBN 978-92-64-20392-1 OECD 2 rue André Pascal Paris 75775 Cedex 16 France 상세정보문의 OECD media relations Spencer Wilson spencer.wilson@oecd.org + 33 1 45 24 81 18 OECD Social Policy Division Andrew Reilly andrew.reilly@oecd.org + 33 1 45 24 82 04 www.oecd.org/pensions/pensionsataglance.htm 3
Pensions at a Glance 2013 OECD and G20 Indicators KOREA p Nearly half of Korean seniors live in relative income poverty. This is the highest oldage poverty rate in the OECD countries and nearly four times the OECD average. The old-age dependency ratio in Korea will increase by over 350% in the next 50 years. This is the highest increase among the OECD countries and will leave Korea as the oldest society by 2062. p The effective labour market exit age in Korea is the second highest in the OECD for both men, at 71 years, and women at 70 years, behind Mexico and Chile respectively. With a relatively immature public pension system it is not surprising that current spending accounts for less than 1% of GDP, but this is projected to increase to over 6% over the next 50 years. Consequently old age poverty in Korea is the highest in OECD countries. People aged between 66 and 75 in Korea have, on average, an income equivalent to 62.4% of that of the total population. This is well below the OECD average of 90.1%. The elderly poverty rate in Korea is by far the highest in the OECD at 47.2% for those aged 65 and over, compared to the OECD average of 12.8%. Old-age poverty has increased in Korea from about 45% in the mid-2000s. The high levels of old-age poverty are largely due to the fact that the public pension system was only introduced in 1988 and available to all only from 1999. Poverty among the elderly should therefore decline over time when the pension system matures; but current poverty rates are a concern. Old-age income poverty rates late 2000s Source: OECD (2013), Pensions at a Glance 2013 4
The population in Korea is ageing faster than in any other OECD country. Korea is currently the fourth youngest country in the OECD with 5.6 of working age for every person aged 65 or over; only Chile, Mexico and Turkey have younger populations. Although fertility rates are predicted to increase in Korea from 1.32 currently to 1.75 in 50 years, the levels will still be amongst the lowest amongst all OECD countries. Life expectancy estimates at age 65 in Korea will be second only to Japan by 2060-65 at 29.5 years for women and 23.8 years for men. Korea will be the oldest OECD society by 2062 with only 1.2 people of working age for every person aged 65 or more. This will have major implications for the future financing of pensions in Korea and labour market policies will need to change to accommodate older workers. Old-age support ratio Source: OECD (2013), Pensions at a Glance 2013 Key indicators Korea OECD Gross replacement rate Average earner (%) 39.6 54.4 Low earner (%) 59.2 71.0 Public spending on pensions % GDP 2.1 7.8 Life expectancy At birth 81.3 79.9 At age 65 19.5 19.1 Population aged 65 and over % of working-age population 17.9 25.5 Average earnings KRW (million) 38.50 45.49 Note: replacement rate is pension entitlement from all mandatory sources of retirement income relative to individual earnings. Calculations for a full-career worker entering the labour market in 2012. Low earner is assumed to earn 50% of the average. Source: OECD (2013), Pensions at a Glance 2013: OECD and G20 Indicators. 5
Notes to editors: Pensions at a Glance 2013: OECD and G20 Indicators Published 11.00am Paris time on 26 November 2013 The report includes pension indicators for the OECD member countries and G20 economies with 2012 pension rules and parameters. There are two special chapters on (i) distributional impact of reforms; (ii) future retirement income adequacy, the role of housing, financial wealth and publicly provided services. 363pp. ISBN 978-92-64-20392-1 OECD 2 rue André Pascal Paris 75775 Cedex 16 France For further information, please contact OECD media relations Spencer Wilson spencer.wilson@oecd.org + 33 1 45 24 81 18 OECD Social Policy Division Andrew Reilly andrew.reilly@oecd.org + 33 1 45 24 82 04 www.oecd.org/pensions/pensionsataglance.htm 6