摘要
相互制保险公司是符合保险最初理念的一种组织形式,无资本股份或股东,投保人兼具保险消费者和公司所有者两种身份。在日本发达的保险市场中,曾经半数以上的保险公司采用相互制的经营形式。然而自20世纪90年代后期开始,日本相互保险公司开始出现倒闭或转制的现象,致使相互制保险公司数量从1995年的18家锐减到现在的5家。日本相互制保险公司数量减少的主要原因在于资本市场融资的限制、公司内部管理决策的低效以及一些相互制保险公司的陆续破产。结合日本相互保险公司的经营特点和对中国国情的具体分析,可推定相互制保险公司在我国具有发展前景。
A mutual insurance company is a kind of organization form without capital stock or shareholders which is in line with initial insurance ideas. Policy holders are both clients and owners of company aiming atsharing risks and profits together among company members. In Japan＇s developed insurance market, over half of insurance companies take mutual system to manage. However, since the late 1990s, Japan＇s mutual insur-ance companies＇bankruptcy or transition has arisen, which led to sudden decrease of mutual insurance companies from 18 in 1995 to 5 in 2011. This paper argues that the prime reason for the decrease of Japan＇s mutualinsurance companies lies in the limitation of Capital Market Financing, low efficiency of company interior management system and successive bankruptcy of some companies. Combined the characters of Japan＇s insurancecompanies with concrete analysis of China＇s national situation, it can be concluded that a mutual insurance company has enormous potential in China.
出处
《现代日本经济》
CSSCI
北大核心
2013年第2期47-58,共12页
Contemporary Economy OF Japan
基金
对外经济贸易大学211工程三期学术创新团队项目"企业风险管理"(CXTD1-01)
关键词
相互保险公司
股份制保险公司
保险公司破产
转制
经营效率
Mutual Insurance Company
Stock Insurance Company
Insurance Company Bankruptcy
Transition
Efficiency of Management
