@phdthesis{oai:sucra.repo.nii.ac.jp:00010227,
 author = {福地, 幸文},
 month = {},
 note = {xix, 382p, 本論文では，日本における個人保険の意義を探究すべく，近代的な生命保険事業の草創期から現代に至る130 年間を対象期間とし，日本の個人保険市場に関する分析をした。具体的には，史料と時系列統計に基づく歴史的・計量的な分析で，法令等の社会制度および経済社会情勢との関係に重点を置いて同市場の歴史的発展過程を分析した。その結果，20世紀における日本の個人保険は，概ね長期積立貯蓄として広く国民に需要されていたことが分かった。それは，1900（明治33）年に制定された保険事業の監督法である保険業法との関わりが深い。保険業法は，保険会社等の監督を強化して不良会社を駆逐し，保険市場に制度に基づく秩序をもたらすとともに，株式会社の他に保険会社固有の会社形態として相互会社を規定した。相互会社の社員，すなわち保険契約者は，株式会社の株主と同じく有限責任を負う換わりに，相互会社の事業損益は保険契約者に帰属し，剰余金のほとんどが配当金として保険契約者に分配された。このため，高水準の配当金還元後の実質保険料は低廉であった。このような貯蓄性保険を軸としたビジネスモデルは，その形を変化させながらも，1995（平成7）年度頃までは有効であった。それは，長期積立貯蓄としての日本の個人保険が，1995（平成7）年度まで施行されていた旧保険業法下において有効であったとも言い換えることができよう。その根底には，個人保険の保険金は常に約束（契約）のとおりに支払われるという日本の個人保険市場における暗黙の了解があったことを忘れてはならない。第一生命の創業者である矢野恒太（保険業法の起草に参画し，農商務省商工局の初代保険課長に就任）は「（生命保険契約の引き受けにおける）厳重な選択と（保険事故発生時の）寛大な支払い」を第一生命の特色の1 つとして宣伝した。それは，保険金が約束（契約）のとおりに支払われるという国民の共通認識の醸成が，日本の個人保険市場発展の核心的原動力であることを見抜いた言葉であった。事実，日本の生命保険会社，延いては日本の個人保険市場は，明治期から大正期に，日清戦争，日露戦争，第一次世界大戦，スペイン風邪，関東大震災，そして時々の金融恐慌等に見舞われながらも着実に保険金を支払い続け，国民の信頼を勝ち得て急速に成長した。それは，戦前昭和期まで一貫したものであった。
敗戦後の民主化政策による富裕層の没落によって，民間生命保険会社の主たる加入者は，それまでの富裕層から勤労者になった。より正確には，勤労者以外に主な販売先が無くなった。敗戦の翌年，1946（昭和21）年10 月に簡易生命保険法が改正され，簡易生命保険の最高保険金額引き上げとともに，簡易生命保険の政府独占は廃止となった。これにより，民間生命保険会社にも，簡易生命保険と同様の月払保険が解禁された。戦前から他の主要国と同様，主に富裕層を対象に高額な年払の個人保険等を販売していた民間生命保険会社は，簡易生命保険の月掛保険市場における優位性および月例集金コスト等を理由に，月払保険の販売を躊躇していた。ところが，最高保険金額の引き上げ以後，簡易生命保険は，当時の主要市場であった農村部の好況等を受けて，新契約高を伸ばしていった。このため，民間生命保険会社も月払保険の販売に踏み切らざるを得なくなった。結果として，月払保険という新たな制度は，日本の個人保険市場に瞬く間に浸透し，1955（昭和30）年度頃には，月払保険が同市場における新契約高の5 割程度を占めるようになった。こうして，勤労者（主に雇用者）向けの月払少額拠出であるにもかかわらず，長期間一定の利回りが保証され，資産運用実績に連動した配当が得られる個人向け金融商品として，戦後の民間生命保険会社，延いては日本の個人保険市場は，期せずして新たな成長機会を得た。ところが，バブル崩壊後，勤労者市場は疲弊した。特に，若年層の個人保険離れは深刻で，近年の日本における生命保険産業の業績低迷の直接的な要因の1 つとなっている。彼らは，可処分所得の預貯金シフトを鮮明にしている。その原因は，若年層の資金繰り問題であろうことが分かった。彼らは，疾病による雇用喪失，子供の教育，親の介護や看護，更には自らの老後という極めて困難な中長期の資金繰り問題に直面し，流動性を重視して預貯金を増やす以外に選択肢を失いつつあるようである。日本の生命保険産業も，国内の資産運用環境が悪化し，実際の資産運用利回りが責任準備金の平均利率を下回る逆鞘問題に苦しんだ。このため，近年の日本の個人保険市場における主力商品は，保障機能に重点を置くものと，資産運用リスクを顧客に委ねる変額（年金）保険等，その利回りを競う貯蓄機能に重点を置いたものとに大きく分かれている。
本論文では，更に，上記の史料と時系列統計に基づく歴史的・計量的な分析結果を踏まえた日本の個人保険の意義，すなわち需要要因に関する仮説を検証すべく，高度成長期以降の56 年間を主な推定期間とする日本の個人保険需要に関する時系列回帰分析を行った。この回帰分析は，日本の個人保険市場の新契約件数，新契約高，保有契約件数および保有契約高のそれぞれの年次増減率を被説明変数とするもので，保有契約高が減少に転じた1997（平成9）年度以降15 年間を初めてカバーするとともに，時系列回帰分析により契約件数需要を推定する日本初の試みである。用いるのは年次増減率までの加工にとどめた素データである。変数の正負変動にかかわらず，長期時系列回帰分析が可能となり，時系列グラフと計量分析結果の比較考量等も容易になる。しかも，対数を用いたモデルに比べて，一般に当てはまりが悪くなる傾向はあるものの，指数関数的成長が見込まれるような需要関数の推定を抑制し，現実との斉合性を有するモデルに接近することができる。また，構造変化に係るダミー変数を用いず，高度成長期以降の推定期間における日本の個人保険市場の構造変化の有無と当該被説明変数に対する具体的な説明変数の変遷を分析した。説明変数の候補となる探索対象168 系列は，先行研究を踏まえて選定したが，歴史的・計量的な分析結果に基づく探索対象系列の拡充も図った。探索対象系列は，内閣府編の『平成25年版 経済財政白書』に掲載されている長期経済統計をベースに編成した。率の年次階差等の内部生成系列も含め探索対象168 系列中，101 系列は同長期経済統計から選定したものである。この長期経済統計を補完するために追加した長期統計系列は5 つに大別される。1 つは，国民経済計算年報の名目民間最終消費支出，実質民間最終消費支出および名目国民可処分所得等である。2 つは，日本の総人口を年齢階級別に区分したものである。3 つは，非正規雇用等の雇用情勢に注目したものである。4 つは，国民の困窮度に注目したものである。5 つは，消費者物価指数の増減率で実質化した実質貸出金利や実質一般勘定利回り等である。探索対象系列選定における特徴は，名目金利として国内銀行貸出約定平均金利や，年少・老年人口指数の代わりに生産年齢人口に代表される総人口の年齢3 区分別人口ならびに生産年齢（15～64 歳）の総人口を5 歳・10 歳および20～50 代の年齢階級別に区分した年齢階級別生産年齢人口19 系列等，先行研究とは違った変数（要素）も加えたことである。更に，格差社会といわれる近年の日本における経済・雇用情勢を踏まえ，正規の職員・従業員割合および国民年金全額免除割合等の変数（要素）も加えた。この回帰分析の結果，例えば被説明変数の1 つとした保有契約高増減率は，実質民間最終消費支出，消費者物価指数，雇用者数の各増減率および実質一般勘定利回り（率の階差）を説明変数とするモデル等が，高い説明力を示した。一方，同じく被説明変数である新契約件数増減率のモデルは，1995（平成7）年度を境に変化し，20 代を中心とした若年層の個人保険離れの一端を実証できた。
また，本論文では，以上の分析結果を踏まえた分析結果の総合の過程で，明治後期から戦前昭和期の38 年間を主な推定期間とする回帰分析を併せて実施した。筆者の知る限りにおいて，本時系列回帰分析は，1900（明治33）年の保険業法制定後，第二次世界大戦に係る戦時統制が本格化するまでの38 年間，すなわち近代日本の個人保険需要を推定する日本初の試みである。その結果，当該推定期間における日本の個人保険需要（新契約件数，新契約高，保有契約件数および保有契約高のそれぞれの年次増減率）は，名目または実質所得，物価，総人口の各増減率および名目金利（率の階差）を適宜組み合わせた回帰モデルで，6 割前後を説明できることが分かった。そのうち，保有契約件数増減率の回帰分析においては，スペイン風邪流行の前年から満州開拓が本格化する前までの期間において，当時の平年の人口増加率を低下させる程の出来事は，日本の個人保険需要を増加させる方向に作用したことを示唆する結果を得ることができた。なお，本論文における回帰分析の主な推定期間は，明治後期から戦前昭和期の38 年間と高度成長期以降の56 年間で，通算94年間である。これは，分析対象期間130 年間のうち，7 割強の期間をカバーするものである。
日本の個人保険市場が新たな成長機会を獲得するためには，若年層の資金繰り問題解決に資するような新たな提案が求められる。日本の個人保険市場は，戦前は富裕層（第一市場）を軸に，高度成長期以降は月払保険により勤労者（第二市場）を軸に成長してきた。月払保険の継続は，加入者の雇用と所得の安定が前提で，雇用や所得が不安定な者や世帯は月払保険の加入圏外に置かれる。ところが，近年の調査によれば，私傷病で有給休暇を使い切れば，中小企業を中心とする多くの企業に勤める者は失業し，無業者になりかねない。国民の多くが，家計における最後の貸し手を必要としているのではなかろうか。本論文では，このような勤労者群を第三市場と位置付け，新たな事業機会の開拓を提案する。具体的には，個人保険市場における保障機能に重点を置く戦略を第一の戦略，金融の貯蓄機能に重点を置く戦略を第二の戦略と位置付け，金融のもう一方の機能である融資機能に重点を置いた第三の戦略，すなわち長期積立信用形成手段としての個人保険を第三市場に供給することを提案するものである。, はじめに ··············································································· 1
1. 問題の所在 ······································································ 1
2. 日本の個人保険市場における構造変化の片鱗 ·························· 2
3. 研究の方法と構成 ····························································· 4
第1 章 先行研究 ··································································· 7
1. 国内の研究 ······································································ 7
1.1. 理論的研究 ······························································· 7
1.2. 歴史的研究 ······························································· 8
1.3. 実証的研究 ······························································· 9
(1) 生命保険契約金の実証研究 ····································· 9
(2) その他の実証研究 ··················································· 10
2. 海外の研究 ······································································ 12
2.1. 理論的研究 ······························································· 12
(1) Yaari（1965 年） ·················································· 12
(2) Lewis（1989 年） ················································· 13
2.2. 実証的研究 ······························································· 14
(1) Truett & Truett（1990 年） ······································ 14
(2) Browne & Kim（1993 年） ······································ 16
(3) Outreville（1996 年） ············································ 17
(4) Beck & Webb（2003 年） ········································ 19
(5) Li, Moshirian, Nguyen & Wee（2007 年） ······················ 19
3. Beck & Webb のベースラインを軸とした包括的国際比較 ··········· 21
(1) 5 年平均パネル分析（生命保険普及率） ···················· 21
(2) 5 年平均パネル分析（生命保険密度，他） ················· 22
(3) 年次パネル分析（生命保険普及率） ························· 22
(4) クロスセクション分析（生命保険普及率） ················ 23
4. 実証研究の批判的検討 ······················································· 24
(1) 所得関連系列 ······················································ 24
(2) インフレ関連系列 ················································ 29
(3) 人口関連系列 ······················································ 31
(4) 金利関連系列 ······················································ 32
(5) 社会保障関連系列 ················································ 33
(6) その他の系列 ······················································ 34
5. 先行研究の限界 ································································ 34
第2 章 近代の個人保険市場 ···················································· 36
1. 日本の個人保険市場の現状 ················································· 36
2. 明治期 ············································································ 39
2.1. 近代的生命保険事業のはじまり ···································· 39
(1) 近代的生命保険事業のはじまり ······························· 39
(2) 近代的生命保険事業の制度化 ·································· 40
2.2. 明治期の経済社会情勢 ················································ 41
(1) 明治前期の経済社会情勢 ······································· 41
(2) 日清戦争前後の経済社会情勢 ·································· 42
(3) 日露戦争前後の経済社会情勢 ·································· 43
2.3. 実績の推移（明治期） ················································ 44
3. 大正期 ············································································ 48
3.1. 大正期の経済社会情勢（第一次世界大戦前後） ··············· 48
3.2. 簡易生命保険の創設 ··················································· 49
3.3. 実績の推移（大正期） ················································ 50
(1) 大正期の民間個人保険市場 ····································· 50
(2) 大正期の簡易生命保険市場 ····································· 53
4. 戦前昭和期（1927 年～1945 年） ·········································· 57
4.1. 昭和恐慌・満州事変（1927 年～1937 年） ······················· 57
(1) 昭和恐慌 ···························································· 57
(2) 満州事変 ···························································· 58
4.2. 戦時統制（1937 年～1945 年） ······································ 59
(1) 保険業法の全面改正と生命保険統制会 ······················ 59
(2) 生命保険国営論 ··················································· 61
(3) 戦争死亡に対する保険金支払 ·································· 61
4.3. 実績の推移（戦前昭和期） ·········································· 63
(1) 戦前昭和期の民間個人保険市場 ······························· 63
(2) 戦前昭和期の簡易生命保険市場 ······························· 67
4.4. 敗戦処理（1945 年～1948 年） ······································ 71
5. 近代個人保険市場の成長要因と新たな成長要因の萌芽 ·············· 73
5.1. 近代個人保険市場の成長要因 ········································· 73
(1) 有配当養老保険の一般化 ······································· 73
(2) 累加配当方式と個人保険の意義の転換 ······················ 76
(3) 経済成長と総資産利回り ······································· 77
(4) 約束（契約）の履行 ············································· 78
5.2. 戦時下における新たな成長要因の萌芽 ··························· 79
5.3. まとめ ····································································· 79
第3 章 現代の個人保険市場（成長期） ········································ 82
1. 復興期（1945 年～1954 年） ················································ 82
1.1. 復興期の経済社会情勢 ················································ 82
(1) インフレの高進と諸施策 ······································· 82
(2) 社会制度の五大改革 ············································· 85
(3) 復興期の消費生活環境 ·········································· 86
1.2. 復興期の個人保険市場 ················································ 87
(1) 保険料率の一本化 ················································ 87
(2) 特別新契約 ························································· 87
(3) 月掛保険の解禁 ··················································· 88
(4) 契約者配当の再開 ················································ 89
1.3. 実績の推移（復興期） ················································ 90
2. 高度成長期（1955 年～1975 年頃） ······································· 95
2.1. 高度成長期の経済社会情勢 ·········································· 95
(1) 高度成長期の概観 ················································ 95
(2) 景気循環 ···························································· 95
(3) 生産性の向上 ······················································ 96
(4) 所得倍増計画 ······················································ 96
2.2. 高度成長の要因 ························································· 97
(1) 人口移動 ···························································· 97
(2) 世帯数の増加 ······················································ 98
(3) 高度成長のメカニズムと輸出ならびに貯蓄 ················ 100
2.3. 高度成長期の個人保険市場 ·········································· 101
(1) 高度成長期の個人保険市場の概観 ···························· 101
(2) 月払保険の浸透 ··················································· 102
(3) 定期付養老保険の登場 ·········································· 102
(4) 保険料率の改定（1946 年度～1975 年度） ················· 103
(5) 特別配当の実施（貯蓄機能の保存） ························· 104
2.4. 実績の推移（高度成長期） ·········································· 106
(1) 新契約 ······························································· 106
(2) 保有契約 ···························································· 108
3. 安定成長期（1976 年～1995 年頃） ······································· 110
3.1. 安定成長期の経済社会情勢 ·········································· 110
(1) スタグフレーションの発生 ····································· 110
(2) 雇用不安と格差社会の始まり ·································· 111
(3) 第二次臨時行政調査会と政府予算のシーリング（天井） · 112
(4) 経済摩擦と日米通商交渉 ······································· 113
(5) 日米包括経済協議（日米保険協議） ························· 116
3.2. バブル期の経済社会情勢 ············································· 117
(1) プラザ合意と円高不況，そしてバブル ······················ 117
(2) バブル経済の概観 ················································ 117
(3) 金融緩和 ······························································ 118
(4) 株価の上昇 ························································· 119
(5) 地価の上昇 ························································· 119
(6) バブルの終焉 ······················································ 120
(7) バブル反動不況 ··················································· 121
(8) BIS 規制 ····························································· 122
(9) 生命保険会社の逆鞘問題 ······································· 122
3.3. 安定成長期の個人保険市場 ·········································· 123
(1) 転換制度等の導入 ················································ 123
(2) 保険料率の改定（1976 年度～1995 年度） ················· 124
(3) 商品構成の変化 ··················································· 126
3.4. 実績の推移（安定成長期） ·········································· 127
(1) 新契約 ······························································· 127
(2) 保有契約 ···························································· 128
4. 現代個人保険市場の成長要因（成長期） ································ 129
4.1. 個人保険市場の3 つの成長要因 ···································· 129
(1) 月払保険の解禁 ··················································· 130
(2) 高水準の配当還元 ················································ 131
(3) 女性営業職員の導入 ············································· 133
(4) 高度成長期の特徴（個人保険の大衆化） ··················· 134
4.2. 実質新契約高の減少 ···················································· 136
4.3. 予定利率の引き上げと実質新契約高の増加 ····················· 137
4.4. まとめ ····································································· 138
第4 章 現代の個人保険市場（新保険業法制定以降） ···················· 141
1. 金融制度改革 ··································································· 141
1.1. 保険業法の全面改正 ··················································· 141
(1) 銀行制度改革 ······················································ 141
(2) 保険制度改革の概観 ············································· 142
(3) 標準責任準備金制度の導入 ····································· 143
(4) 配当準備金繰入率の改定 ······································· 144
(5) 危機管理態勢の整備 ············································· 145
(6) コーポレート・ガバナンスとディスクロージャーの強化 · 146
1.2. 時価会計制度の導入 ··················································· 146
(1) 背景 ·································································· 146
(2) 資産の区分 ························································· 147
(3) 契約者配当との関係 ············································· 147
2. バブル崩壊後（1996 年度～2011 年度） ································· 148
2.1. バブル崩壊後の経済社会情勢 ······································· 148
(1) 景気循環 ···························································· 148
(2) 財政構造改革（橋本内閣） ····································· 149
(3) 金融政策 ······························································ 149
(4) 賃金と物価 ························································· 150
(5) 雇用情勢 ···························································· 152
2.2. バブル崩壊後の個人保険市場 ······································· 155
(1) 保険料率の改定（1996 年度～2011 年度） ················· 155
(2) 予定利率の変遷と新契約の動向 ······························· 156
(3) 契約者配当と保有契約の動向 ·································· 159
2.3. 実績の推移（バブル崩壊後） ······································· 160
(1) 新契約 ······························································· 161
(2) 保有契約 ···························································· 161
3. 若年層の個人保険離れとその背景 ········································· 162
3.1. 若年層の個人保険離れ（年齢階級別新契約件数の推移） ···· 162
3.2. 労働力調査 ······························································· 164
3.3. 家計調査 ·································································· 166
3.4. 就業構造基本調査（その1） ········································ 168
4. 現代個人保険市場のマイナス成長要因（新保険業法制定以降） ·· 169
4.1. 資産運用実績の悪化と予定利率引き下げ，そして逆鞘問題 · 169
(1) 資産運用実績の悪化 ············································· 169
(2) 予定利率の引き下げと新契約の減少 ························· 170
(3) 保有契約の逆鞘問題 ············································· 170
4.2. 約束（契約）の履行力の再強化 ···································· 171
4.3. 若年層の個人保険離れの要因 ······································· 173
(1) 就労条件総合調査（退職金の減少） ·························· 173
(2) 就業構造基本調査（その2） ·································· 174
(3) 若年層の資金繰り問題 ·········································· 176
4.4. まとめ ····································································· 176
第5 章 個人保険需要の計量分析 ·············································· 178
1. 先行研究の抄録 ································································ 178
2. 仮説設定 ········································································· 180
2.1. 被説明変数の特徴 ······················································ 180
(1) 新契約 ······························································· 180
(2) 保有契約 ···························································· 180
2.2. 推定モデルのイメージ ················································ 181
(1) 新契約高 ···························································· 181
(2) 保有契約高 ························································· 181
(3) 保有契約件数 ······················································ 182
(4) 新契約件数 ························································· 183
3. 分析の方法 ······································································ 183
3.1. 計画 ········································································ 183
3.2. 探索対象系列の出所とデータ処理要領 ··························· 185
(1) 概要 ·································································· 185
(2) 生命保険事業概況 ················································ 186
(3) 経済財政白書 ······················································ 187
(4) 国民経済計算年報 ················································ 187
(5) 人口統計 ···························································· 189
(6) 労働力調査 ························································· 190
(7) 国民年金 ···························································· 190
(8) その他 ······························································· 190
4. 分析対象系列の選定 ·························································· 191
(1) 新契約高増減率の分析対象系列 ······························· 191
(2) 保有契約高増減率の分析対象系列 ···························· 192
(3) 保有契約件数増減率の分析対象系列 ························· 192
(4) 新契約件数増減率の分析対象系列 ···························· 193
5. 新契約高増減率の回帰分析 ················································· 194
5.1. 新契約高増減率の回帰分析 ·········································· 194
(1) 新契約高増減率のモデルの推定 ······························· 194
(2) 推定期間の短縮 ··················································· 194
(3) 構造変化要因の検討 ············································· 194
(4) 新契約高増減率のモデルの拡張 ······························· 195
5.2. 新契約高増減率のモデルの評価 ···································· 195
6. 保有契約高増減率の回帰分析 ·············································· 199
6.1. 保有契約高増減率の回帰分析 ······································· 199
(1) 保有契約高増減率のモデルの推定 ···························· 199
(2) 保有契約高増減率モデルの実質ベースへの置換 ·········· 202
(3) 新契約高増減率モデルへの還元 ······························· 202
6.2. 保有契約高増減率のモデルの評価 ································· 205
7. 保有契約件数増減率の回帰分析 ············································ 208
7.1. 保有契約件数増減率の回帰分析 ···································· 208
(1) 保有契約件数増減率モデルの推定（推定期間の短縮） ···· 208
(2) 推定期間の延伸 ··················································· 209
7.2. 保有契約件数増減率のモデルの評価 ······························ 209
8. 新契約件数増減率の回帰分析 ·············································· 213
8.1. 新契約件数増減率の回帰分析 ······································· 213
(1) ベースモデルの推定 ············································· 213
(2) モデルの推定 ······················································ 213
8.2. 新契約件数増減率のモデルの評価 ································· 216
9. 推定結果の解釈 ································································ 217
(1) 新契約高 ···························································· 218
(2) 保有契約高 ························································· 218
(3) 保有契約件数 ······················································ 219
(4) 新契約件数 ························································· 220
(5) 個人保険の意義に関する解釈 ·································· 220
第6 章 分析結果の総合と個人保険の意義 ·································· 222
1. 近代の個人保険市場の分析結果 ············································ 222
(1) 近代的生命保険事業の成立条件（貨幣（通貨）制度の確立と企業の勃興）
··········································································· 222
(2) 個人保険市場発展の条件（約束（契約）の履行と保険業法の制定）
··········································································· 223
(3) 個人保険市場における国民の金融資産選択行動 ·········· 225
2. 現代の個人保険市場の分析結果 ············································ 227
(1) 高度成長期の個人保険市場の成長要因 ······················ 227
(2) 保険料率の一律改定と市場アナウンスメント効果 ······· 229
(3) 基底の毀損 ························································· 229
(4) 若年層の個人保険離れ ·········································· 230
3. 分析結果の総合 ································································ 231
3.1. 近代の個人保険需要の回帰分析 ···································· 231
(1) 計画 ·································································· 231
(2) 新契約件数増減率の回帰分析 ·································· 232
(3) 新契約高増減率の回帰分析 ····································· 236
(4) 保有契約件数増減率の回帰分析 ······························· 236
(5) 保有契約高増減率の回帰分析 ·································· 247
3.2. 近代の個人保険需要 ··················································· 248
3.3. 高度成長期以降の個人保険需要 ···································· 252
4. 個人保険の意義 ································································ 255
(1) 近代の個人保険の意義 ·········································· 255
(2) 高度成長期の個人保険の意義 ·································· 256
(3) インフレ環境下における個人保険の意義の保存 ·········· 257
(4) 近年における個人保険の意義の二極化 ······················ 258
5. 個人保険の意義を巡って ···················································· 259
(1) 生命保険の特徴 ··················································· 259
(2) 個人保険の意義の変容 ·········································· 259
おわりに ··············································································· 261
1. 提案 ··············································································· 261
1.1. 新たな潜在市場 ························································· 261
1.2. 生命保険買取制度 ······················································ 262
1.3. 第三市場の開拓に向けて ············································· 263
2. 含意 ··············································································· 265
3. 今後の課題 ······································································ 265
補足資料 生命保険の基本的な仕組み ········································ 267
1. 保険料の構成 ··································································· 267
2. 営業保険料の計算事例 ······················································· 268
2.1. 純保険料の計算 ························································· 268
2.2. 営業保険料の計算 ······················································ 269
(1) 予定新契約費 ······················································ 270
(2) 予定維持費 ························································· 270
(3) 予定集金費 ························································· 270
(4) 営業保険料 ························································· 270
参考図 ·················································································· 272
参考表 ·················································································· 319
参照文献一覧 ········································································· 364, 主指導教員 : 松本正生, text, application/pdf},
 school = {埼玉大学},
 title = {日本の個人保険市場 : 歴史的・計量的分析},
 year = {2015},
 yomi = {フクチ, コウブン}
}