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윤성주 ( Sung-joo Yoon ),이상엽 ( Sang-yeob Lee ) 한국사회보장학회 2023 사회보장연구 Vol.39 No.2
Using NaSTaB (National Survey of Tax and Benefit) data, this study investigates the determinants of holding public and private pension plans, and examines the retention behavior of both pensions in Korea. The empirical model employs bivariate probit models, and both public and private pension are set as dependent variables. According to the estimates results, the effects of self-employment on holding private pension plans are not statistically significant. However, we find the heterogeneous behaviors of self-employed people by income level in the sub-sample of self-employed people. Also the results indicates that holding saving insurance is highly related to high-income self-employed people, which suggests that there is a high probability of inequality in retirement income preparation among self-employed people. Considering demographic change and the sustainability of public pension system, the government is likely to establish polices to expand private pension subscriptions, especially for the self-employed people regarded as in a relatively vulnerable retirement income comparing to wage earners. The empirical results of this study imply that, even in the case of support for self-employed people, government need to consider income and asset level (means test) considering the heterogeneity of the self-employed.
윤성주 ( Sung-joo Yoon ) 한국재정정책학회 2018 財政政策論集 Vol.20 No.3
This study investigates efficient measures for Long-term Care (LTC) Insurance expenditure from both supply and demand perspectives. Under the current system, government pays LTC-providing institutions regardless of service quality they provide and coinsurance rates are fixed upon for recipients irrespective of service usage. Considering these policy conditions, we first propose to apply different level of payments based on service quality these institutions provide. This is also in line with the concept of Pay for Performance (“P4P”). Next, we suggest to apply different level of coinsurance rates based on the amount of service used by recipients. In this case, we would only consider those who are relatively in good health conditions and those who are not categorized as low-income subscribers. For both of these approaches, we set up models and investigated the magnitude of efficiency improvement through simulation analysis. According to the simulation results, application of different level of payments to institutions decreased the government’s expenditure by 0.8∼13.2%, while application of different level of coinsurance rates dependent on the service usage by recipients reduced the amount by 2.0∼13.0%.