日本大和生命保险倒闭案的教训  

The indication of Yamato Life′s bankruptcy to China′s insurance industry

作　　者：杨文生[1] 孙乐[1] 

机构地区：[1]山东经济学院,山东济南250014

出　　处：《保险研究》2009年第2期72-77,共6页Insurance Studies

摘　　要：2008年10月10日,日本大和生命保险公司突然宣布倒闭。这是日本首家在金融危机中倒下的金融机构,也预示着这场肆虐全球的金融风暴正在向亚洲保险行业袭来。大和生命保险倒闭案已经为中国保险行业敲响了警钟。本文分析了大和生命保险公司倒闭的内外原因及背后的症结,并从中得出了对中国保险行业的一些启示,主要包括:处理好金融创新与金融监管的辩证关系;审慎有序地开放海外投资渠道;建立健全企业风险预警控制机制;推进评级机构向公允性、独立性及专业化发展;提高政府监管绩效;积极防范全球金融风暴向中国保险业传导等。On October 10, 2008, Yamato Life Insurance Co. unexpectedly declared bankruptcy. This is the first financial institution in Japan collapsing in the recent financial crisis. It was a sign that the global financial turmoil was coming to hit Asian insurance businesses. Yamato Life＇s bankruptcy has sounded a wake-up call for the Chinese insurance industry. Through analyzing the case, the paper summarized on internal and external reasons of Yamato Life＇s bankruptcy, and lessons to be drawn. What can be learned by China＇s insurance industry was multiple： properly dealing with the dialectical relationship between financial innovation and financial supervision; prudent and step-by-step opening up of overseas investment channels ; establishing and improving the risk warning and control mechanisms; promoting credit-rating agencies towards fairness, independence and professional development; improving government＇s supervision performance; actively guarding against transfer of the global financial crisis to China＇s insurance industry, etc.

关 键 词：大和生命 保险 金融风暴 启示 

分 类 号：F843[经济管理—保险]