美日保险管制模式改革的比较与借鉴

不同国家在对保险业实施管制的实践中，形成了各自不同的保险管制模式，其中美国和日本的保险管制模式最具有代表性。20世纪90年代中后期以来，两国保险管制模式分别采取一系列的改革措施，或收敛过去的过度管制行为，或将现有法律制度之间不衔接的空缺加以弥补，并呈现出某些趋同化的态势。尽管保险管制放松趋势是主流，但是我们也不能盲目追随。最重要的是，认清保险管制改革的背景及保险管制放松的动因。

Comparison of and Lessons from American and Japanese Reform of Insurance Regulation Modes

Different countries have established different insurance regulation modes during exercising regulation on insurance industry and the modes of America and Japan are the most typical among them. Since the middle and late 1990s, the insurance regulation modes of the two countries have undergone respectively a series of reform, relaxation of previous over-tight regulation policies, or filling up of the gaps in the existing laws, showing more and more similarities. We, however, are not to follow suit blindly although the mainstream trend seems to be relaxation of regulation over insurance. What is most important is that we should recognize the background of insurance regulation reform and the motive of insurance regulation relaxation.