Study on Roles of the Insurance Industry for a Sustainable Society

• Project/Area Number: 25380584
• Research Category: Grant-in-Aid for Scientific Research (C)
• Allocation Type: Multi-year Fund
• Section: 一般
• Research Field: Commerce
• Research Institution: Kyoto Sangyo University
• Principal Investigator: SUZAWA Yoshihiko 京都産業大学, 経営学部, 教授 (50460663)
• Project Period (FY): 2013-04-01 – 2016-03-31
• Project Status: Completed (Fiscal Year 2015)
• Budget Amount: ¥2,860,000 (Direct Cost: ¥2,200,000、Indirect Cost: ¥660,000); Fiscal Year 2015: ¥650,000 (Direct Cost: ¥500,000、Indirect Cost: ¥150,000); Fiscal Year 2014: ¥1,040,000 (Direct Cost: ¥800,000、Indirect Cost: ¥240,000); Fiscal Year 2013: ¥1,170,000 (Direct Cost: ¥900,000、Indirect Cost: ¥270,000)
• Keywords: 保険事業 / 持続的社会 / 保険経済学 / 生活保障システム / 保険規制 / 国際協調 / 医療保障 / 老齢保障 / 公的保険 / 民間保険 / 保険 / 自然災害補償制度 / 健全性規制 / 市場行動規制 / 生活保障 / 災害補償

Outline of Final Research Achievements

This study attempts to develop a framework for the insurance industry to contribute to a sustainable society facing population aging and natural disaster risks based on the insurance economics. The results of the study reveal that the natural disaster and accident compensation insurance schemes can maintain its solvency and availability and increase incentive to safety by regulatory intervention including cross-subsidized rates and limit of benefits. The study also finds that the healthcare insurance and pension plan can minimize adverse effects of information asymmetry and socio-economic transformation through public-private insurance collaboration. International harmonization is required in the prudential regulation to facilitate risk-transfer and financial intermediation functions of insurance but in the market conduct regulation should maintain a certain degree of variety reflecting the individual market characteristics.

Research Products

• [Journal Article] 保険業規制の国際協調のあり方に関する考察―保険のリスク移転と金融仲介機能に焦点をあてて― (2015)
  • Author(s): 諏澤吉彦
  • Journal Title: 保険学雑誌 Volume: 629 Pages: 47-63
  • NAID: 130005153627
  • Acknowledgement Compliant
• [Journal Article] The Impact of Insurance on a Sustainable Society Exposed to Natural Disaster Risks (2014)
  • Author(s): Suzawa, Yoshihiko and Nicos A. Scordis
  • Journal Title: 京都マネジメント・レビュー Volume: 25 Pages: 85-103
  • NAID: 110009902587
  • Open Access / Acknowledgement Compliant
• [Journal Article] 持続的社会に向けた官民パートナーシップによる保険スキームに関する考察 (2013)
  • Author(s): 諏澤吉彦・Nicos A. Scordis
  • Journal Title: 京都マネジメント・レビュー Volume: 第23号 Pages: 55-70
  • NAID: 110009808665
• [Presentation] Division of Roles between Private and Public Retirement Insurance Plans for an Aging Global Society (2015)
  • Author(s): Suzawa, Yoshihiko
  • Organizer: World Risk & Insurance Economics Congress
  • Place of Presentation: Ludwig Maximilians University of Munich（ドイツ・ミュンヘン市）
  • Year and Date: 2015-08-02
  • Int'l Joint Research
• [Presentation] 医療・老齢保障システムにおける公・私保障の機能分担 (2014)
  • Author(s): 諏澤吉彦
  • Organizer: 生活保障システムと生命保険産業研究会
  • Place of Presentation: 公益財団法人生命保険文化センター（東京都千代田区）
  • Year and Date: 2014-10-31
• [Presentation] 保険業規制の国際協調のあり方に関する考察―保険のリスク移転と金融仲介機能に焦点をあてて― (2014)
  • Author(s): 諏澤吉彦
  • Organizer: 日本保険学会全国大会
  • Place of Presentation: 香川大学（香川県高松市）
  • Year and Date: 2014-10-19
  • Invited
• [Presentation] National Market Economic Growth: The Contributions of Insurance Market Synergies (2014)
  • Author(s): Ma, YuLuen, Nat Pope, Masahiro Inoguchi and Yoshihiko Suzawa
  • Organizer: Asia-Pacific Risk & Insurance Association
  • Place of Presentation: Moscow State University, Moｓcow, Russia
  • Year and Date: 2014-07-28
• [Presentation] Regulatory Intervention into Insurance Ratemaking: A Test of the Sustainability of Japanese Automobile and Earthquake Insurance Schemes (2014)
  • Author(s): Yoshihiko Suzawa, Takau Yoneyama
  • Organizer: Japan-Korea Insurance Scholars' Exchange Workshop
  • Place of Presentation: Sejong University（韓国ソウル市）
• [Presentation] 持続的社会の実現に向けた生命保険事業の役割と生活保障システム (2014)
  • Author(s): 諏澤吉彦
  • Organizer: 生活保障システムと生命保険産業研究会
  • Place of Presentation: 公益財団法人生命保険文化センター（東京都千代田区）
• [Presentation] Public-Private Insurance Partnership for a Sustainable Society Exposed to Natural Disaster Risks (2013)
  • Author(s): Yoshihiko Suzawa, Nicos A. Scordis
  • Organizer: Asia-Pacific Risk & Insurance Association
  • Place of Presentation: St. John’s University（米国ニューヨーク市）
• [Book] 生活保障システムのパラダイムシフトと生命保険産業（研究代表者担当第6章（医療保障のシステムにおける公・私保障の機能分担）および第7章（老齢保障のシステムにおける公・私保障の機能分担）） (2015)
  • Author(s): 岡田太志（編著）、安井敏晃・石坂元一・冨村圭・諏澤吉彦（著）
  • Total Pages: 156
  • Publisher: 公益財団法人生命保険文化センター