2009.

06


1. / 1

2. / 2

3. / 6

4. / 9
5. / 10
. . .
1. ( )

08. 9
(61~)
?
(97~10)

(05.12~)

, 2


* 95 :


-
-
( ,
* 05.12
)

2011
-1-
2.

((
,,

,, IRA)
IRA)





(DB
(DB or
or DC,
DC,
,,
,,
or
or
))








((

,,
))

(retention),
(retention),









((
,,
,,

))









((
))

((
))

-2-
2.

11
33

<<
>> --
:: 7,893
7,893
15,026
15,026 //
1,901
1,901
2,973
2,973
Global
Global Trend
Trend --
:: 1,050
1,050
2,646
2,646 //
193
193
934
934
** 97
97
07
07

,,
:10
:10

DB
DB
DC
DC
,,
DC
DC

,, 11
22

-3-
< 1 : >

(DB (DC

) )
60% 1/

12

(50%)
( 50% (100%)
)

( )

3 X

-4-
< 2 : >

( )

- , ,

- vs





(DB )

( )
-5-
3. .

08.8
08.8 42,105
42,105
(5
(5
8.4%)
8.4%)
-- IRA
IRA
(39.6%),
(39.6%), DC(40%),
DC(40%), DB(19.5%),
DB(19.5%), DB&DC(0.9%)
DB&DC(0.9%)



-- 500
500

(965
(965
))
200 (20.7%)
200 (20.7%)
--
((

)) 446
446
67
67
(15%)
(15%)

7979
(5
(5



680
680 11.6%)
11.6%)


-- DB
DB
(54.4%),
(54.4%), DC
DC (37.6%),
(37.6%), IRA
IRA
(7.5%),
(7.5%),
IRA(0.5%)
IRA(0.5%)

44
3,090
3,090



-- DB
DB
(65.4%),
(65.4%), DC
DC
(27.7%),
(27.7%), IRA
IRA
(4.4%),
(4.4%),
IRA(2.5%)
IRA(2.5%)

-6-
< 3 : > .

200 760 800

162
148
150 538 600
612
376
100 75 249 325 74 400
48 48 76 51
37
50 90 138 36 200
42 213
0 0
06.3 06.6 06.9 06.12 07.3 07.6 07.9 07.12 08.3 08.6

-7-
3. .

(08.8
(08.8

500
500



20.7%)
20.7%)

::









::

2010
2010





**


((
2.4
2.4
,, 1,300
1,300
,, 1,300
1,300

))



**




((

55%
55%


))
** 2010
2010



44


,,

-8-
4. ( )

( )


,
: ,

, ( )



, ( )

(DB , )




( ) ( , )

-9-
5. .

2
- , ( , , )



- ,

, ,




//
(07 54 -> 08 150 )



( , , , )

,

- 10 -
5. .

08.7.1

DB, DC


(DC , ,



)

DB

- 11 -
5. .

( , )


: DC , ,

- 12 -
5. .

( , , , ),



,

( )

- 13 -
< 4 : >

1,600
1,600
(DB
(DB 31%,
31%, DC
DC 37%
37%
32%),
32%), 06.10
06.10
,,




30
30


,,

1,104
1,104
(DB
(DB 99%,
99%, DC
DC 1%),
1%), 06.12
06.12
,,





DB
DB

DC
DC

,,

502
502
(DB
(DB 100%),
100%), 06.12
06.12
,,






((
))

356
356
(DB
(DB 73%,
73%, DC
DC 27%),
27%), 06.12
06.12
,,




,,

- 15 -
< 4 : >

2,050
2,050
(DB
(DB 100%),
100%), 06.12
06.12
,,

D
D



DB
DB

DC
DC

,,

1,683
1,683
(DB
(DB 77%,
77%, DC
DC 23%),
23%), 08.5
08.5
,,

M
M


DB/DC
DB/DC

5,850
5,850
(DC
(DC 34%,
34%,
66%)
66%) ,, 07.4
07.4
,,

LL






DC
DC

2,700
2,700
(DB
(DB 68%,
68%, DC
DC 32%)
32%) 06.10
06.10
,,

S
S


DC
DC

- 16-
< 5 : >

446
446
67
67
(15%)
(15%)

--
2424


88
(33%)
(33%)


--
77
77

10
10
(13%)
(13%)


--

204
204

11
11
(5.4%)
(5.4%)
--
141
141



38
38
(27%)
(27%)

DB
DB










--



DC
DC





-- 99
99

- 15 -