日本寿险业衰退原因探析  

An Analysis of Causes of the Recession of Japanese Life Insurance Industry

作　　者：孙少岩[1] 逯家英 

机构地区：[1]吉林大学中国国有经济研究中心,吉林长春130012 [2]吉林大学经济学院,吉林长春130012

出　　处：《现代日本经济》2014年第6期52-59,共8页Contemporary Economy OF Japan

基　　金：吉林大学985工程项目"中国国有经济改革与发展"(201112);吉林大学研究生院项目"现代货币金融学说课程案例库"(4500914A3031)

摘　　要：日本寿险业在世纪之交发生了巨大衰退,高额利差损是导致数家保险公司破产的重要原因。在当前预定利率市场化改革的背景下,我国寿险公司应认真反思日本寿险业的衰退原因,以推进资金运用体制改革为核心,改进寿险产品预定利率形成机制,并抓住新型城镇化这一有利契机,合理发展投资型和普通型产品,通过多种方式增加收益,积极应对外资挑战,减少高额利差损的产生,建立起现代寿险服务业体系。The Japanese life insurance industry experienced a great decline at the turn of the century, and high interest spread loss is the main reason for the bankruptcy of a few insurance companies. Under the current context of market - oriented reform of assumed interest rate China~ life insurance companies need serious re- thinking of the reason for the recession of Japanese life insurance industry and to improve the formation meeha- nism of assumed interest rates of life insurance products with promoting reform of fund application system at the core, seize the opportunity of new - type urbanization to promote rationally investment and normal type prod- ucts, increase revenue through various approaches, respond positively to the challenges from foreign insurance company, reduce the high interest spread loss and establish a modern life insurance service system.

关 键 词：商业寿险 资产负债管理 利率市场化 利差损 期限错配 

分 类 号：F843.313.622[经济管理—保险]