日本银保市场概述日本保险市场是个较为成熟的市场,2011年原保费收入51.7万亿日元,占亚洲保险市场50%以上,约为我国的3倍。但日本与我国一样,银保市场起步较晚,经历了审慎监管,逐步放开的过程,具有较强的借鉴意义。一、日本银保市场的产品监管政策日本监管当局对银保业务的监管 Japan’s Bancassurance Market Overview Japan’s insurance market is a relatively mature market with 2011 original premium income of 51.7 trillion yen, accounting for more than 50% of the Asian insurance market, about three times that of China. However, like Japan, like Japan, the bancassurance market started relatively late and experienced a process of prudential regulation and gradual liberalization, which is of great reference significance. First, the product management policy of the Japanese bank and insurance market Japanese regulatory authorities on the banking and securities business supervision