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D 12ƀ0 ij X p0) H D t ij \ 8x t t pȬ, ȔmX lx  @ \ l| \. l<\ ȔmX ij ) \ Xȹ(benchmarking) DŸ, ̸X ,  ĒD Ƚ, \ij \ 8x pȬ@ DՔX. ֬ L$ \ m 0l Ĭt 8 ¬mD XXՔ D D\  <\ ijX t 4\ Ƭ\ tX D X0 X t@ @ $l(network) 8` DՔ . 8 8 ,  ij@ ¥. ¥, Ɍl, 2004. 5ų ų,  ȔmX 0 ƩƬ@  ¬, 5ų, 2002.10. Xt,  0 ijX  ), ll, \mlYՌ, pp227~256. 1999. 0,  0X ijt m ` ƥ Q), KDI Ȝ , 2004.8. 0,  0 ܭ  ųĬ l)H, KDI Ȝ , 2003.10. l,  mX 0ij, , ֌, 1996.12, pp7~28. tM4,  |X U (DB) 0, , ֌, 2004.10. Bodie, Z.,  What the pension benefit guarantee corporation can learn from the Federal Savings and Loan Insurance Corporation, Journal of Financial Services Research, Volume 10, 83-100, March 1996. Bodie, Z., Mitchell, O.S., Turner, J.A.,  Securing employer-based pensions: an international perspective, Pension Research Council, Wharton School of the University of Pennsylvania, 1996. Boyce, S. and R. Ippolito,  The cost of pension insurance, Journal of risk insurance, Vol.69, No.2, pp. 121-170. Hsieh, S., A. Chen, and K. Ferris,  The valuation of PBGC insurance premiums using an option pricing model, The Journal of Financial and Quantitative Analysis, Vol.29, No.1, March 1994, pp 89-99. Ippolito, R.A.,  How to reduce the cost of federal pension insurance, Cato Institute s Policy Analysis no. 253, August 24th 2004. Leppik, L.,  The Finnish Pension System, A Paper Presented at a Joint World Bank/ IIASA Conference, April 2001. McCarthy, D.,  How much does a central Guarantee Fund Cost? Watson Wyatt research briefing, 2003-04, July 2003. Mitchell, O.S.,  Worker Knowledge of Pension Provisions," Working Paper NO. 2414, National Bureau of Economic Research, Cambridge, MA, 1987. Nielson, N., K. David, and M. Chan,  Private Pension and Government Guarantee, Presented at the National Research Program in Financial Services and Public Policy Research Conference, April 2003. OECD,  Benefit Security Pension Fund Guarantee Schemes, OECD, DAF/AS/PEN(2004)19, December 2004. OECD,  Private Pension Systems and Public Issue, Private Pension Series, OECD, 2000. Pardoe, M. and W. Andrew,  What If? The Pension Protection Fund, Watson Wyatt research, 2004. Pesando, J.E.,  The containment of bankruptcy risk in private pension plans, Private Pension Systems and Policy Issues: OECD Private Pension Series No.1, 2000. Pesando, J.E.,  The government s role in insuring pensions, in BODIE, Z., O. MITCHELL, and J. TURNER, Securing Employer-Based Pensions, The Pension Research Council, University of Pennsylvania Press, Philadelphia, 1996. PBGC,  Performance and Accountability Report Fiscal Year of 2004, Washington, PBGC, 2004. PBGC,  2003 Annual Statement, Washington, PBGC. 2004. Pensiongaranti,  Summary of Annual Report 2003, Pensiongaranti, 2004. Pensiongaranti,  The FPG/PRI Handbook, Pensiongaranti, 2004. Penskin, M., B. Boudreau, N Cresswell, D. Germanov, and A. Rabouh,  Insuring the Uninsurable? Morgan Stanley Global Pension Group, March 2004. Penskin, M.,  Written Testimony to the Committee on Finance, United States Senate, Morgan Stanley Global Pension Group, May 2003. Smalhout, J.H.,  The Uncertain Retirement, Irwin Publishing, Chicago, 1996. Usuki, M.,  Pension Funds and Retirements Benefits in Depressed Economy and Market  Experiences and Challenges in Japan, NLI Research Institute, Tokyo, July 2003. VARMA,  TEL and YEL insurances in 2004, VARMA Mutual Insurance Company, Finland, 2004. 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