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日本偿付能力监管体系的框架日本偿付能力监管制度的历史沿革1996年以前,日本保险监管没有建立系统的偿付能力监管体系,保险监管机构仅从定性的角度对保险公司经营的各个环节进行监管。当时日本保险市场除一些特殊的保险产品外,保险市场都执行统一的条款和保险费率,禁止保险市场价格竞争,监管机构主要监管保险公司的条款、费率以及各项准备金的提存和资金运用。
Japan’s Solvency Supervision Framework Japan’s solvency regulation history Before 1996, Japan’s insurance supervision system failed to establish a regulatory system of solvency, insurance regulatory agencies only from a qualitative point of view of all aspects of the insurance company’s operations. At that time, the Japanese insurance market except for some special insurance products, the insurance market to implement a unified terms and insurance rates prohibit the insurance market price competition, regulatory agencies mainly supervise the terms and conditions of the insurance company, rates and various reserves and funds use.