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震后日本保险业:应对、影响、机制及启示

作者:刘瑞 出版日期:2012年05月 报告页数:15 页 报告大小: 报告字数:12705 字 所属丛书:日本经济蓝皮书 所属图书:日本经济与中日经贸关系发展报告(2012) 浏览人数: 下载人数:

文章摘要:东日本大地震后,日本保险业面临至今为止最大规模的保险金赔付问题。在两大保险行业协会——日本损害保险协会和生命保险协会主导下,保险业采取全方位应对措施,快速、准确地推进理赔工作。受地震影响,日本保险业当期收益下降,尤其是财产保险公司损失严重。但从长期看,此次地震对保险业的经营影响有限,这主要得益于保险企业的财务能力及日本完善的地震保险制度和再保险机制。日本保险业应对大震灾的经验值得我们借鉴和思考。

Abstract:After the great east Japan earthquake,Japanese insurance companies have to pay for the largest amount of insurance claims.Under the leading function of two major insurance industry associations—The General Insurance Association of Japan and The Life Insurance Association of Japan,the insurance companies take comprehensive measures to promote the claims quickly and accurately.Affected by the earthquake,the Japanese insurance companies... 展开

Abstract:After the great east Japan earthquake,Japanese insurance companies have to pay for the largest amount of insurance claims.Under the leading function of two major insurance industry associations—The General Insurance Association of Japan and The Life Insurance Association of Japan,the insurance companies take comprehensive measures to promote the claims quickly and accurately.Affected by the earthquake,the Japanese insurance companies showed decline of current revenue,especially the general insurance sector was in particular serious losses.But in the long term,the impact of this earthquake is limited on the insurance companies.This is mainly benefited from the financial capacity of insurance companies and Japanese complete earthquake insurance system and reinsurance mechanism.We should learn and think the experience of Japanese insurance industry in dealing with the big earthquake.

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作者简介

刘瑞:女,1970年7月出生,陕西人,1991年毕业于东北财经大学计划统计系,1998年获日本东京都立大学经济学硕士学位,2006年获中国人民大学经济学博士学位。现为中国社会科学院日本研究所副研究员、经济研究室副主任,全国日本经济学会副秘书长。主要研究领域:金融理论与政策、日本金融、中日金融制度比较等。代表性作品有:《金融危机下的日本金融政策:困境与挑战》(专著,2010),并在《经济学动态》《日本学刊》《中国证券报》等报刊发表论文及专业文章数十篇。