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目前,日本金融界普遍关注的“热点”之一就是有关保险改革的问题.一个由大学教授、消费者代表、新闻记者、保险专家以及其它行业的专家组成的顾问团,也就是日本保险理事会,自1989年始,对日本保险业历时三年的全方位考察后,向日本财政部呈交了一份“保险考察报告”.这次考察,主要有三个方面的动机:其一,日本人已逐渐意识到,他们正在迅速地步入“老龄化社会”.根据联合国的解释,“老龄化社会”是指年龄在65岁以上的老人占总人口的7%以上.而在进入90年代时,日本这一比例已达到12.5%,预计在21世纪初上升至20%.“人口老龄化”无疑会给保险事业的发展带来机遇和挑战.其二,保险公司在金融世界中扮演着愈来愈重要的角色.日本的寿险和非寿险保险人各控制着1.2
At present, one of the “hot spots” of widespread concern in Japan’s financial community is the issue of insurance reform, a panel of university professors, consumer representatives, journalists, insurance experts and experts from other industries, namely the Japan Insurance Council Since the beginning of 1989, after three years’ comprehensive inspection of the Japanese insurance industry, Japan submitted an “Investigation Report on Insurance Investigation” to the Japanese Ministry of Finance. There are mainly three motives for this visit: First, the Japanese have Gradually aware that they are rapidly moving into an “aging society.” According to the United Nations, “an aging society” means over 7% of the total population of the population over the age of 65. In the 1990s, The proportion in Japan has reached 12.5% and is expected to rise to 20% in the early 21st century. “Population aging” will undoubtedly bring opportunities and challenges to the development of the insurance industry. Second, insurers play a more and more important role in the financial world The more important the role, Japanese life and non-life insurers each control 1.2