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论日本保险业的改革与重组 被引量:4

A Discussion on the Reform and Recombination of Insurance In Japan
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摘要 随着经济全球化、金融化进程的加快 ,日本保险业以限制竞争、严格监管著称的监管模式受到了挑战。泡沫经济的破灭和东亚金融风暴的冲击 ,使日本保险市场萎缩 ,业务拓展受阻 ,利差损失严重 ,寿险经营状况拮据。加之欧美金融业兼并与重组的竞争压力 ,日本不得不对有上百年历史的保险业进行改革和重组 ,其内容包括 :调整经营战略———放宽限制、促进竞争 ;监管方式改革———偿付能力控制和经营信息公开。组织机构改革———兼并与重组。而新市场的开拓 ,新商品的开发 ,寻求多种投资途径 ,扩大营销渠道 ,导入多媒体手段等 ,将是 2 1世纪日本保险的走势。 With the acceleration of economic globalization and financial innovation,Japan's insurance supervision mode which is known as strict management by competition restriction faces new challenges.First,because of the burst of bubble economy and the shock of Asian financial crisis,Japanese insurance market shrinks,business promotion is blocked,and in particular,the life insurance is found in serious shortage of cash flow.Second,the competition introduced by M&A and restructuring in other industrial econowies' financial sector,Japan has to reconstruct her insurance industry which has operated in a traditional way for more than 100 years.The key issues are following.The operation strategy is adjusted by market restriction elimination and competition encouragement.The supervision mode is reformed by solvency control and information disclosure arrangement.New organization structure is established by M&A.As a conclusion,the trend of Japan's insurance industry in 21\+\{st\} century will be characterized by the promotion of new market,the development of new products and portfolio,the expansion of sales,and the application of e-trade.
作者 池晶
出处 《金融研究》 CSSCI 北大核心 2000年第10期130-134,F003,共6页 Journal of Financial Research
关键词 日本 保险业 人寿保险 财产保险 保险公司 改革 Japan's insurance industry,life insurance,property insurance,new insurance number,life insurance company,solvency margin rate.
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