中文摘要：

2008年10月10日，日本大和生命保险公司突然宣布倒闭。这是日本首家在金融危机中倒下的金融机构，也预示着这场肆虐全球的金融风暴正在向亚洲保险行业袭来。正所谓覆巢之下，安有完卵？大和生命保险倒闭案已经为中国保险行业敲响了警钟。本文分析了大和生命保险公司倒闭的内外原因及背后的症结，并从中得出了对中国保险行业的一些启示，其主要包括：处理好金融创新与金融监管的辩证关系；审慎有序地开放海外投资渠道；建立健全企业风险预警控制机制；推进评级机构向公允性、独立性及专业化发展；提高政府监管绩效；积极防范全球金融风暴向中国保险业传导；等等。

英文摘要：

On October 10, 2008, Yamato Life Insurance Co. suddenly declared bankruptcy. It wass the first financial agency in Japan which collapsed in the American financial crisis, indicating that global financial turmoil was coming to hit the Asian insurance businesses. As the saying goes, ＂when the nest is destroyed, no egg can be preserved.＂. Yamato Life＇s bankruptcy has given the Chinese insurance businesses a big warning. Through analyzing the case, the paper summarizes the internal and external reasons of Yamato Life＇s bankruptcy and explores lessons of the crises. It aiso draws some practical lessons for the Chinese insurance business, including dealing with the dialectical relationship between financial innovation and financial supervision, prudently and orderly opening up overseas investment channels, establishing and improving risk warning and control mechanisms; promoting credit-rating agency to fairness, independence and professional development, improving the performance of government supervision function, actively to prevent the conduction of the global financial crisis to Chinese insurance Business, etc.