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1997年以来,日本先后有九家保险公司停业和倒闭,形成了日本历史上少见的破产风潮。导致破产风潮的原因很多,其中“泡沫经济”的崩溃和经济萧条无疑是最重要的诱发因素,而不适当的产业政策和保险监管模式也是导致危机的重要原因。由此可以得到的启示有:要防止经济运行中的风险向保险业内部的传导;要大力开发投资型险种;要通过优化产业政策为保险业提供支持;要根据市场经济的发展及时转变保险监管模式。
Since 1997, Japan has successively closed and closed nine insurance companies, forming a rare bankruptcy wave in Japan’s history. There are many reasons for the bankruptcy wave. The collapse of the “bubble economy” and the economic depression are undoubtedly the most important triggers. The inappropriate industrial policies and the insurance supervision mode are also the important causes of the crisis. The enlightenments that can be obtained are: to prevent the conduction of the risks in economic operation to the insurance industry; to develop investment-type insurance products; to provide support to the insurance industry through the optimization of industrial policies; to timely change the insurance supervision according to the development of market economy mode.