日本保险业的危机与启示

The Implication and Crisis of Japan's Insurance Industry

保险是影响公众利益的行业 ,保险业的健康发展直接关系到国家金融体系的稳定 ,并对国家政治稳定具有一定的影响。日本作为全球第二大保险市场 ,自 1 997年以来 ,相继出现了 4家保险公司破产倒闭的危机。从产业政策、企业经营和政府监管等方面分析日本保险业危机的深层次原因 ,对于中国保险市场的长远健康发展具有很好的借鉴意义。

Insurance is and industry of public interest. Whether it could develop healthily is directly pertinent to the stability of the whole financial system, as well as the natinal political environment,to a certain extent. There have been four insurance company failures since 1997 in the second largest global market such as Japan. An analysis of Japan's insurance in terms of industry policies, company operations, and government regulations in order to tap the root causes of its crisis should shed light on the long-term growth of the Chinese insurance market.