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日本保险业起源于明治维新时代,20世纪60年代到70年代间得到了快速发展,80年代人寿保险业和财产保险业的保费收入与资产总额都已处于世界领先地位。然而20世纪90年代,日本经济泡沫破灭和保险自由化对日本保险业产生了巨大影响和严重冲击,9家大型保险公司相继破产,日本保险业经历了一系列重大改革和兼并重组,直到21世纪初,日本保险业才逐渐走出危机阴影。总体而言,日本保险业经历了繁荣发展,也遭受了经济泡沫和保险自由化的冲击,在危机后推行改革并取得一定成效。中国保险业在当前自由化趋势和资本驱动负债发展模式背景下可以日本为借鉴。
Japan’s insurance industry originated in the Meiji Restoration era. It developed rapidly from the 1960s to the 1970s. The insurance premiums and total assets of the life insurance industry and the property insurance industry in the 1980s are already in the leading position in the world. However, in the 1990s, Japan’s economic bubble burst and insurance liberalization had a huge impact and serious impact on the Japanese insurance industry. Nine major insurance companies went bankrupt one after another, and the Japanese insurance industry underwent a series of major reforms and mergers and acquisitions until the 21st century At first, Japan’s insurance industry gradually out of the shadow of the crisis. In general, the Japanese insurance industry has experienced a boom and a boom, and it has also been hit by the economic bubble and the liberalization of insurance policies. After the crisis, the reform has been implemented with some success. China’s insurance industry can learn from Japan in the context of the current liberalization trend and the capital-driven debt development model.