ͷ 2005 ó 1% ߹ '' . ݿ ٷڴ ڿ 0.5% ϱ ͷ 1 ⿹ ݸ( 1.3%) ģ. ο̳ οݰ Բ ڱ ͷ 鼭 å ɸ ̴. 8 ϰŹ غ 4 ǰ ٷκ Ȳ м Ȯ(DB) Ȯ(DC) ͷ 1.68% 1.44% ƴ. 2015 DB ͷ 2.16%, DC 2.21%. 1 ̿ DB ͷ 0.48%Ʈ, DC ͷ 0.77%Ʈ ̴. ֿ KEBϳ ݻ " ̳ ä ڻ꿡 ַ ϴµ رݸ ͷ Բ ϶ ۿ "鼭 "DC ֽ Ǵ ä ݵ ߴ" ߴ. ȸ õ ͷ ϴ 翡 Ḧ ϱ ͷ̴. ǻ DC ͷ 0.61% Ұ 0.5% Ḧ ٷ 忡 ǻ ٴ ̴. ռ ѱݿ "õ ͷ 1.5% ص Ḧ ϰ 忡 ͷ Ұ 1% ݺٵ ϴ" ߴ. ͷ ϶ ٷڴ ڱ 뿡 Ÿ ش. Ư DB ų ӱݻ·( 3 ) ؾ ϴµ ͷ ÿ ַθ ִ. ѱ ݻ "ӱݻ· 3% ͷ 1.5%ٸ ش ߰ ؾ 3% (1.5%Ʈ)ŭ δؾ Ѵ" "ݸ 鿡 Ը Ŀ δ ó Ҿ "̶ ߴ. DC ٷڵ ͷ ũ ø ִ. ͷ غ Ÿ. DB ͷ պ 1.98% ̾ ǻ(1.89%), (1.82%), (1.43%) ƴ. DC ͷ պ 2.08% ̾ (1.59%), (1.51%), (0.61%) ̾. DB պ ͷ ̰ 0.55%Ʈ, DC պ ǻ ̰ 1.47%Ʈ. 147 ƴ. 2015 126 16.7%(21) þ ̴. ںδ 732613 ü 50% ߴ. < > ȮȮ : ũ Ȯ(DBDefined Benefit) Ȯ(DCDefined Contribution) . DB ü ϴ ϰ 뿡 ̳ ս ȸ簡 å . DC ٷڰ ü ϴ ͷ å ̴. [ ]