东日本大地震后，日本保险业面临至今为止最大规模的保险金赔付问题。在两大保险行业协会——日本损害保险协会和生命保险协会主导下，保险业采取全方位应对措施，快速、准确地推进理赔工作。受地震影响，日本保险业当期收益下降，尤其是财产保险公司损失严重。但从长期看，此次地震对保险业的经营影响有限，这主要得益于保险企业的财务能力及日本完善的地震保险制度和再保险机制。日本保险业应对大震灾的经验值得我们借鉴和思考。
After the great east Japan earthquake,Japanese insurance companies have to pay for the largest amount of insurance claims.Under the leading function of two major insurance industry associations—The General Insurance Association of Japan and The Life Insurance Association of Japan,the insurance companies take comprehensive measures to promote the claims quickly and accurately.Affected by the earthquake,the Japanese insurance companies showed decline of current revenue,especially the general insurance sector was in particular serious losses.But in the long term,the impact of this earthquake is limited on the insurance companies.This is mainly benefited from the financial capacity of insurance companies and Japanese complete earthquake insurance system and reinsurance mechanism.We should learn and think the experience of Japanese insurance industry in dealing with the big earthquake.
