保険業法の一部を改正する法律
法令番号: 法律第304号
公布年月日: 昭和26年12月10日
法令の形式: 法律

改正対象法令

提案理由 (AIによる要約)

損害保険会社が巨額の保険契約を行う際、一社での危険引受けは不可能であり、危険の平均分散のため損害保険会社間での共同行為が必要である。また、外貨建積荷保険における国際競争の激化により、国内損害保険会社の業績悪化と対外信用低下が問題となっている。そこで、損害保険の円滑な引受を確保するため、必要な範囲内で損害保険会社間の共同行為を認め、私的独占禁止法等の適用を排除する。一方で、保険契約者等の利益保護のため、不当な共同行為に対する聴聞請求制度の導入や、重要な共同行為の届出義務化などの措置を講じる。

参照した発言:
第12回国会 衆議院 大蔵委員会 第16号

審議経過

第12回国会

衆議院
大蔵委員会 - 第16号
(昭和26年11月14日)
参議院
大蔵委員会 - 第13号
(昭和26年11月14日)
衆議院
大蔵委員会 - 第17号
(昭和26年11月15日)
参議院
大蔵委員会 - 第14号
(昭和26年11月15日)
衆議院
大蔵委員会 - 第18号
(昭和26年11月16日)
参議院
本会議 - 第18号
(昭和26年11月16日)
衆議院
本会議 - 第17号
(昭和26年11月17日)
本会議 - 第23号 附録
(昭和26年11月30日)
参議院
本会議 - 附録
(昭和26年11月30日)
保險業法の一部を改正する法律をここに公布する。
I hereby promulgate the Law for Partial Amendments to the Insurance Business Law.
御名御璽
Signed:HIROHITO, Seal of the Emperor
昭和二十六年十二月十日
This tenth day of the twelfth month of the twenty-sixth year of Showa (December 10, 1951)
内閣総理大臣　吉田茂
Prime Minister　YOSHIDA Shigeru
法律第三百四号
Law No.304
保險業法の一部を改正する法律
Law for Partial Amendments to the Insurance Business Law
保險業法（昭和十四年法律第四十一号）の一部を次のように改正する。
The Insurance Business Law (Law No.41 of 1939) shall be partially amended as follows:
第十二條ノ二第二項中「私的独占ノ禁止及公正取引ノ確保ニ関スル法律」を「私的独占の禁止及び公正取引の確保に関する法律」に改め、第一章中同條の次に次の五條を加える。
The following five Articles shall be added next to Article 12-(2) in Chapter I:
第十二條ノ三　私的独占の禁止及び公正取引の確保に関する法律及事業者団体法ノ規定ハ左ノ各号ニ掲グル行為ニ付テハ之ヲ適用セズ但シ不公正ナル競争方法ヲ用フルトキ、相互ニ事業活動ヲ不当ニ拘束スルコトニヨリ一定ノ取引分野ニ於ケル競争ヲ実質的ニ制限スルコトトナルトキ又ハ一定ノ取引分野ニ於ケル競争ヲ実質的ニ制限スルコトニヨリ保險契約者若ハ被保險者ノ利益ヲ不当ニ害スルコトトナルトキハ此ノ限ニ在ラズ
Article 12-(3).　The provisions of the Law relating to Prohibition of Private Monopoly and Methods of Preserving Fair Trade, and the Trade Association Law shall not apply to any of the following acts;provided, however, that this shall not apply to cases where unfair method of competition is employed, where competition in a particular field of trade is substantially restrained by mutually employing undue restrictions on business activities, or where the interests of the person effecting insurance or the insured is unduly injured by substantially restraining competition in a particular field of trade:
一　海上保險事業（船舶又ハ海上運送（之ニ附随スル船積前又ハ陸揚後一定期間内ニ於ケル陸上運送ヲ含ム）中ノ貨物ヲ保險ノ目的トスル損害保險事業ヲ云ヒ当該陸上運送中ノ貨物ノミヲ保險ノ目的トスル損害保險事業ヲ除ク以下同ジ）ニ属スル取引ニ付損害保險会社ガ他ノ損害保險会社（外国保險事業者に関する法律第二條第一項ニ規定スル外国損害保險事業者ヲ含ム）ト行フ協定、契約其ノ他ノ共同行為（船舶ヲ保險ノ目的トスル損害保險事業ニ在リテハ保險料率ニ係ルモノヲ除ク）
1.　Any agreements, contracts or any other concerted activities between a non-life insurance company or companies and another non-life insurance company or companies (including foreign non-life insurers as provided for in paragraph 1 of Article 2 of the Law concerning Foreign Insurers) in respect to transactions of marine insurance business (meaning non-life insurance business of which the subject matter of insurance is on hull, or cargo during marine transportation (including incidental transportation in transit on land before shipment or for a certain specified time after landing) but excluding non-life insurance business of which the subject matter of insurance is on cargo in transit on land only;hereinafter the same)(excluding matters on premium rates, as regards non-life insurance business of which the subject matter of insurance is on hull).
二　海上保險事業以外ノ損害保險事業ニ属スル保險又ハ再保險ニシテ損害保險会社ガ他ノ損害保險会社（外国保險事業者に関する法律第二條第一項ニ規定スル外国損害保險事業者ヲ含ム）ト共同シテ行フモノニ付左ニ掲グル行為ニ関シ損害保險会社ガ他ノ損害保險会社（外国保險事業者に関する法律第二條第一項ニ規定スル外国損害保險事業者ヲ含ム）ト行フ協定、契約其ノ他ノ共同行為
2.　Any agreements, contracts or any other concerted activities between a non-life insurance company or companies and another non-life insurance company or companies (including foreign non-life insurers provided for in paragraph 1 of Article 2 of the Law concerning Foreign Insurers) in respect to the following acts in connection with joint underwritings of direct or reinsurance business of non-life insurance business other than marine insurance business by a non-life insurance company or companies with another insurance company or companies (including foreign non-life insurers provided for in paragraph 1 of Article 2 of the Law concerning Foreign Insurers):
イ　保險又ハ再保險ノ取引ニ関スル数量ノ決定又ハ制限
a.　Fixing or limiting volume of transactions of direct writings or reinsurance business.
ロ　保險約款ノ内容ノ決定（保險料率ニ係ルモノヲ除ク）
b.　Determination of insurance policy conditions (excluding matters on premium rates).
ハ　再保險ニ関スル相手方又ハ手数料ノ決定又ハ制限
c.　Fixing or limiting parties or commissions in regard to reinsurance business.
第十二條ノ四　損害保險会社、保險契約者、被保險者其ノ他ノ利害関係人（以下利害関係人ト云フ）ハ前條各号ノ共同行為ガ前條但書ノ規定ニ該当シ自己ノ利益ヲ不当ニ害スルモノト認ムルトキハソノ理由ヲ記載シタル書面ヲ以テ主務大臣ニ対シ公開ニヨル聽聞ノ請求ヲ為スコトヲ得
Article 12-(4).　In case a non-life insurance company, a person effecting insurance, an insured or any other interested person (hereinafter referred to as "interested person" ) deems that the concerted activities enumerated in any item of the preceding Article, coming under the provisions of the proviso to the preceding Article, unduly injure his interests, he may request the competent Minister to hold a public hearing with documents stating the reason therefor.
前項ノ書面ニハ参考トナルベキ資料ヲ添附スベシ
To the documents under the preceding paragraph shall be attached materials for reference.
主務大臣第一項ノ請求ヲ受ケタルトキハ利害関係人及当該請求ニ係ル共同行為ヲ為シタル損害保險会社又ハ此等ノ者ノ代理人ノ出頭ヲ求メ当該請求ニ係ル公開ニヨル聽聞ヲ行フベシ
The competent Minister shall, on receipt of the request under the preceding paragraph, hold a public hearing as requested, requesting the interested person and the non-life insurance companies concerned in the concerted activities in question or his or their attorneys to attend.
前項ノ聽聞ニ出頭ヲ求メラレタル利害関係人出頭ノ期日ニ正当ノ理由ナクシテ出頭セザルトキハ第一項ノ規定ニ依ル当該聽聞ノ請求ヲ取下ゲタルモノト看做ス
In case the interested person, requested to attend the hearing under the preceding paragraph, does not appear on the day without proper reason, it shall be deemed that he has waived the request of the said hearing under the provisions of paragraph 1.
主務大臣第三項ノ聽聞ヲ行ヒタル場合ニ於テ当該聽聞ノ請求ニ付理由アリト認ムルトキハ当該聽聞ノ請求ニ係ル共同行為ノ全部又ハ一部ノ取消又ハ変更ヲ命ズルコトヲ得
In case the competent Minister, after holding the hearing under paragraph 3, deems the request for the hearing reasonable, he may order rescission or alteration of the whole or a part of the concerted activities for which the hearing was requested.
第十二條第三項及第四項ノ規定ハ第三項ノ聽聞ノ場合ニ之ヲ準用ス但シ第十二條第三項中第一項ノ規定ニヨル処分トアルハ之ヲ第十二條ノ四第三項ノ聽聞トシ当該保險会社トアルハ之ヲ当該利害関係人及当該聽聞ノ請求ニ係ル共同行為ヲ為シタル損害保險会社トシ第十二條第四項中当該保險会社又ハ其ノ代理人トアルハ之ヲ当該利害関係人若ハ当該聽聞ノ請求ニ係ル共同行為ヲ為シタル損害保險会社又ハ此等ノ者ノ代理人トス
The provisions of paragraphs 3 and 4 of Article 12 shall apply mutatis mutandis to the case of the hearing under paragraph 3;provided, however, that "disposal under paragraph 1" and "the insurance company concerned" as mentioned in paragraph 3 of Article 12 shall respectively read "a hearing under paragraph 3 of Article 12-(4)" and "the interested person or non-life insurance companies concerned in the concerted activities for which the hearing was requested" ;and "the insurance company concerned may present its representative or proxy," mentioned in paragraph 4 of Article 12 shall read "the interested person or the non-life insurance companies concerned in the concerted activities for which the hearing was requested, or his or their attorneys, may present and" .
第十二條ノ五　主務大臣第十二條ノ三各号ノ共同行為ガ同條但書ノ規定ニ該当スルト認ムルトキ其ノ他当該共同行為ガ公益ニ反シ又ハ保險事業ノ健全ナル発達ヲ害スルモノト認ムルトキハ公開ニヨル聽聞ヲ行ヒタル後当該聽聞ニ係ル共同行為ヲ為シタル損害保險会社ニ対シ当該共同行為ノ全部又ハ一部ノ取消又ハ変更ヲ命ズルコトヲ得
Article 12-(5).　When the competent Minister deems that the concerted activities under each item of Article 12-(3) fall under the provisions of the proviso to the same Article, or the said concerted activities are contrary to the public interests or interfere with the sound development of insurance enterprise, he may order the non-life insurance companies concerned in the concerted activities for which the hearing was held, to rescind or alter the whole or a part of the said concerted activities after holding hearing.
第十二條第三項及第四項ノ規定ハ前項ノ聽聞ノ場合ニ之ヲ準用ス
The provisions of paragraphs 3 and 4 of Article 12 shall apply mutatis mutandis to the case of the hearing under the preceding paragraph.
第十二條ノ六　損害保險会社ハ第十二條ノ三各号ノ共同行為ニシテ命令ヲ以テ定ムルモノニ付テハ主務大臣ニ届出ヅルコトヲ要ス届出タル共同行為ヲ変更シタル場合亦同ジ
Article 12-(6).　Non-life insurance companies shall report to the competent Minister the concerted activities under each item of Article 12-(3) which are provided for by order;the same shall apply in the case of alteration of the concerted activities already reported.
主務大臣ハ前項ノ命令ヲ制定セントスルトキハ予メ公正取引委員会ト協議スルモノトス
The competent Minister shall confer in advance with the Fair Trade Commission when he intends to establish the order under the preceding paragraph.
第十二條ノ七　第十二條ノ四第五項又ハ第十二條ノ五第一項ノ規定ニ基ク主務大臣ノ処分ハ第十二條ノ三各号ノ共同行為ガ同條但書ノ規定ニ該当スルカ否カニ付テノ公正取引委員会ノ認定ヲ拘束シ又ハ当該認定ニ基ク私的独占の禁止及び公正取引の確保に関する法律ニ依ル公正取引委員会ノ権限ノ行使ヲ妨グルモノト解スベカラザルモノトス
Article 12-(7).　The disposition of the competent Minister based on the provisions of paragraph 5 of Article 12-(4) or paragraph 1 of Article 12-(5) shall not be construed as restricting the judgement of the Fair Trade Commission concerning whether or not the concerted activities enumerated in each item of Article 12-(3) fall under the provisions of the proviso to the same Article, or as interfering with the exercise of power of the Fair Trade Commission under the Law relating to Prohibition of Private Monopoly and Methods of Preserving Fair Trade.
附　則
Supplementary Provisions:
１　この法律は、公布の日から施行する。
1　This Law shall come into force as from the day of its promulgation.
２　外国保險事業者に関する法律（昭和二十四年法律第百八十四号）の一部を次のように改正する。
2　The Law concerning Foreign Insurers (Law No.184 of 1949) shall partially be amended as follows:
第十九條中「第十二條ノ二（保險会社の株式保有）」を「第十二條ノ二から第十二條ノ七まで（保險会社の株式保有並びに私的独占禁止法及び事業者団体法の適用除外）」に改める。
In Article 19, "Article 12-(2)(holding of stocks of an insurance company)" shall be amended as "Article 12-(2) to Article 12-(7) inclusive (holding of stocks of an insurance company and the exemption from application of the Law relating to Prohibition of Private Monopoly and the Trade Association Law)" .
内閣総理大臣　吉田茂
Prime Minister　YOSHIDA Shigeru
大蔵大臣　池田勇人
Minister of Finance　IKEDA Hayato
通商産業大臣　高橋龍太郎
Minister of International Trade and Industry　TAKAHASHI Ryutaro
運輸大臣　山崎猛
Minister of Transportation　YAMAZAKI Takeshi