日本寿险业的盛衰变迁及其对我国的启示

Evolution of Japanese Life Insurance Industry and Enlightenments for China

日本寿险业的盛衰变迁是日本保险业多年来盲目扩张、追求规模、过分依赖政府保护、缺乏富有竞争优势的管理体制、缺乏透明的经营管理及财务制度结构、资金运用失败的必然结果。为此,建议我国寿险业界着重从开发新险种、适当放宽保险资金的运用渠道、进一步加强对保险公司的法人监管及资金的专业化管理、建立健全保险业社团法人体系等诸方面寻求解决之道,进一步完善我国的寿险市场。

The ups and downs of Japanese life insurance industry are the inevitable result from many years of blind extension of life insurance industry, seeking size, excessive reliance upon the protection of governments, lack of management regime full of competitive advantages, absent of apparent operation management and financial system structure, and failure of money exploitation. Therefore, it＇s suggested that China life insurance industry should seek resolutions from developing new insurance types, considerably enlarging exploitation channels of insurance fund, further strenthening legal supervision over insurance companies and specialized management of money, establishing and making legal person system of mass organizations in insurance industry perfect, etc. so as to further consummate China＇s life insurance market.