摘要相较国外而言，我国保险业起步缓慢，但是发展却较快，当前我国保险监管模式是以偿付能力监管为核心，偿付能力，市场行为和公司治理为重点，虽然已经形成了一个相对完整的监管框架，但仍存在着大量的问题需要解决。日本作为在亚洲保险市场份额占据第一的邻国，保险监管体系非常完善而且高效。在日本保险业的发展过程中，其保险市场经历了从混乱到有序,从封闭到开放的整个过程,我国保险业的发展历程也遇到了许多相似问题和挑战。而今，日本保险业实行了高度集中、统一监管严格的监管模式，这属于单一型的保险监管体系，日本保险公司的管理水平和经营水平普遍较高,保险监管的重点也放在了市场行为监管上，于此同时，日本对于保单内容、保险费率、市场准入等方面也实施了严格的监管,这一点恰好与我国保险监管治理之中需要改进的部分相适应，所以深入研究并学习日本保险业的发展过程中解决问题的手段，对我国保险行业的发展有着重大的意义。45754
毕业论文关键词：日本；保险监管；偿付能力；严格监管
Abstract
Compared with the foreign countries, the insurance industry in China started lately, but its development is rapidly, the current insurance situation of our country is focus on solvency regulation as the core, solvency, market behavior and corporate governance as the key point. Although it has formed a relatively complete regulatory framework, but there are still a lot of problems need to be solved. Japan is now to occupy the first place in Asian insurance market, its insurance regulatory system is very perfect and efficient. During Japan’s insurance industry development history, its insurance market has experienced from chaos to order, closed to opened, the development of the insurance industry in our country has also encountered many similar problems and challenges. But now, Japan has a highly centralized and unified supervision strict regulatory model, this belongs to the simple system of insurance regulation. The insurance company's management level of Japan is higher, the insurance regulation also focus on the supervision on market behavior.at the same time, as for the policy content, insurance rate, market access, etc, also implemented the strict regulation, this coincided with the improvements of our country insurance regulatory governance, so in-depth study and learning. It is of great significance for us to learn to the process of the development of Japan during the development of the insurance industry in our country.
Key words:  Japan；Insurance Regulation；Solvency；Strict Supervision
目    录
摘    要Ⅰ
AbstractⅡ
一、日本保险监管的现状分析1
㈠日本保险发展的现状分析1
㈡日本的保险监管内容1
1、保险监管制度及监管机构2
2、保险监管的内容和方式2
二、我国保险监管的发展现状5
㈠我国保险业的发展现状5
㈡我国保险业的监管现状及存在的问题6
三、日本保险监管制度对我国的启示8  ㈠监管机构行政监管应适度6
㈡办偿付能力作为保险监管的核心8
㈢完善市场行为监督创造良好市场环境10
㈣完善公司治理结构，建立完善内控制度11
㈤合理谨慎保险投资管理12
结论13
参考文献14
致    谢15
浅析日本保险监督对我国的启示
保险作为我国金融行业的三大产业之一，除具有具备金融行业中的资金融通作用外，也在风险管理中有着重要的作用，保险业的健康有序发展能促进金融体系统的稳定，保障社会经济的稳定和人民生活的安定。完整系统的保险监督,不仅可以保护与保险活动相关的行业和公众利益，还能为保险业的发展提供良好的环境，促进保险行业快速、健康、稳定发展。 日本保险监督对我国的启示:http://www.751com.cn/guanli/lunwen_47315.html