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2012年11月25日 (日)

郵政新規事業 管理体制の立て直しが急務だ

The Yomiuri Shimbun (Nov. 25, 2012)
Management of Japan Insurance must be rebuilt--solidly and soon
郵政新規事業 管理体制の立て直しが急務だ(11月24日付・読売社説)

Japan Post Group has taken a step toward moving into new business fields.
 日本郵政グループが、新規事業の参入に向けて一歩前進した。

A government panel on privatization of postal services reached a consensus among its members that approval should be granted to a new education insurance product for which Japan Post Insurance has been seeking a green light.
 政府の郵政民営化委員会は、日本郵政グループのかんぽ生命保険が申請していた学資保険の新商品について、認可すべきだとする意見を取りまとめた。

This is the first time the panel has endorsed a new business plan of Japan Post Group since it was reorganized in October, reflecting the revision of the postal service privatization law.
 改正郵政民営化法を受け、今年10月に日本郵政が組織再編してから、民営化委が新規事業にゴーサインを出したのは初めてだ。

Since Japan Post Group has presented a road map to advance its privatization, including steps such as a listing on the stock market in autumn 2015, the panel apparently has judged it appropriate for the group to expand the variety of its products and services in phases.
 日本郵政は2015年秋の上場など、民営化推進の道筋を示している。このため民営化委は、段階的に商品やサービスを拡大することが妥当と判断したのだろう。

Education insurance has long been a hallmark product for Japan Post Insurance, a member company of the group. Since its sales recently have been losing ground to rival products of private firms, Japan Post Insurance wants to boost them by introducing a new type of such insurance that charges a lower fee in return for a lower death benefit.
 かんぽ生命は長年、学資保険を看板商品としてきた。死亡保障を抑えて保険料を安くしたタイプを投入し、民間に押され気味の販売で巻き返したい考えだ。

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A reasonable first step

For privatization to go smoothly, improved user-friendliness and stable sources of business income are essential. In terms of assessing effects on the private sector, we can understand why the panel has endorsed improving the product's marketability as the first among Japan Post Group's new business projects, as it would be a first step with a small impact.
 民営化を円滑に進めるには、利用者の利便性向上と安定した収益が欠かせない。民間への影響を見極めるうえでも、民営化委が商品性向上という小幅な案件から新規事業を認めたのは理解できる。

Following the panel's endorsement, the Internal Affairs and Communications Ministry and the Financial Services Agency, which have the right to authorize Japan Post Group enterprises, will decide on whether to officially approve the new business plan.
 民営化委の意見を受け、認可権限を持つ総務省と金融庁が認可の是非を判断する。

However, the Financial Services Agency is wary of approving it officially because the agency's investigation has found that Japan Post Insurance may have failed to pay a huge amount of insurance benefits in the last five years.
ところが、金融庁は新商品の認可に慎重だ。
 金融庁の検査で、かんぽ生命が過去5年に大規模な保険金不払いを起こしていた可能性が浮上しているためである。

The number of cases in which benefits owed to policyholders were not paid could reach 100,000. The total amount of failed payments is said to be 10 billion yen. Moreover, Japan Post Insurance had failed to pay benefits totaling 35 billion yen during its time as a public corporation, which ended in 2007.
契約者に対する不払いは、計10万件、100億円にのぼる見込みという。
 かんぽ生命では、07年以前の旧日本郵政公社時代も350億円の保険金不払いがあった。

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Persistent institutional flaws

Even after privatization, Japan Post Insurance could not improve the situation. It appears likely that its degree of legal compliance is seriously lacking.
民営化後も改善が図られなかったのは、法令順守(コンプライアンス)を欠いていたのではないか。

The agency has demanded Japan Post Insurance file a report on the issue because it suspects the insurance firm did not appropriately manage its customers' data. To win official approval for its new product, Japan Post Insurance should seriously reflect on why similar mistakes were repeated, and must strengthen discipline within its organization.
 金融庁は、かんぽ生命の顧客管理体制に疑問を持ち、報告を求めている。認可を得るためにも、日本郵政は同様の失敗を繰り返したことを猛省し、組織のタガを締め直してもらいたい。

Meanwhile, Japan Post Bank, also a member of Japan Post Group, is applying to enter loan businesses such as housing and credit-card loans for individuals and lending to companies. The panel will scrutinize the application and decide whether to endorse it.
 一方、日本郵政グループのゆうちょ銀行は、個人向け住宅ローンやカードローン、企業向け貸し出しなど融資業務への参入を申請中で、民営化委が審査する。

Japan Post Bank must develop its own management system that can check whether a loan should be extended, and can control risks and collect money. It will be required to make every possible preparation, such as training employees who work at post office counters in addition to enhancement of functions at its headquarters.
 ゆうちょ銀は自ら融資審査し、リスク管理や資金回収を行う管理体制を整備する必要がある。本社機能の充実に加えて、郵便局窓口の教育研修など万全の準備が求められよう。

However, private banks and insurance firms are loudly voicing concerns that the Japan Post firms would put undue pressure on private-sector businesses. To alleviate their concerns, the government must sell its stock in Japan Post Holdings as soon as possible, and also should steadily proceed with the disposal of stock in Japan Post Bank and Japan Post Insurance.
 民間の銀行や保険会社には民業圧迫を警戒する声が強い。懸念を和らげるため、政府は、保有する日本郵政株の売却を急ぎ、ゆうちょ銀、かんぽ生命の株式処分を着実に進めるべきだ。

(From The Yomiuri Shimbun, Nov. 24, 2012)
(2012年11月24日01時34分  読売新聞)

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