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농지연금제도를 통한 농촌노인의 생계비 개선효과에 관한 연구
김병규(金炳圭),송건섭(宋建燮),조덕호(曺德鎬) 한국지방자치학회 2011 韓國地方自治學會報 Vol.23 No.3
This study aims to estimate the degree that the benefits through the farmland reverse mortgage(FRM) covers the minimum cost of living for the rural elderly. After introducing the actuarial model of FRM, we elaborate critical factors like farmland value rising rates, interest rates, loan survival probability, and loan termination probability. We calculate the monthly annuity that farmers can receive, and add it to the income through rice cultivation or rice field rental to figure out total income by joining FRM. Then, how much benefits through FRM can cover the minimum cost of living for the rural elderly analyzed. In the results, benefits by joining FRM covers considerable portion of minimum cost of living for 2-people household even if officially assessed land price is applied to the actuarial model for the estimation.