日本非传统保险发展历史变迁及启示

On the Changes of Japanese Non-traditional Insurance Industry and their Revelations for China

日本是当今国际上保险产业最发达和成熟的国家之一,但其曾在保险创新方面出现过严重的失误,其非传统险发展曾经历过重大挫折,目前又成为日本保险业发展最快的保险。通过对日本非传统保险发展过程的综合分析,有助于总结非传统保险发展之规律,为我国发展非传统保险提供有价值的参考意见。

Nowadays, Japan is one of the countries whose Insurance Industry is the most developed and full-grown in the world. The non-traditional Insurance Industry now turns out to be one of the fastest developed in Japanese Insurance Industry, although Japan has ever made serious mistakes from the creative perspectives which have caused the growth of non-traditional insurance to experience critical frustrations. The synthetic analysis of the developing process in Japanese non-traditional insurance is helpful for summarizing the law of its development. It also provides China with some valuable suggestions for references concerning the development of non-traditional insurance