일본의 보험사업에 대한 규제의 역사적 고찰

A historical approach to the regulation for insurance industry in Japan

For many years, the insurance industry of Japan has operated in a relatively safe and secure regulatory, It was exempted from antitrust legislation and protected from such potential competition as that from banks and other financial institutions. In recent years, Japan government dramatically permit establishing of pure holding company, and proposed a legislation that would permit. establishing of financial holding company. The proposed legislation would have allowed banks to perform securities, insurance through saparate subsidiaries. Allowing the banks to compete in the sale of insurance would destroy the cherished Japanese insurance soliciting system. Deregulation for the insurance company like this means the changing of the target of the regulation for the insurance industry from protection of insurance insolvency to consummer’s profit through the competition.