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  "domain": "financial-regulators",
  "title": "Non-Life Insurance Rating Organization of Japan (GIROJ / 損害保険料率算出機構)",
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  "frontmatter": {
    "title": "Non-Life Insurance Rating Organization of Japan (GIROJ / 損害保険料率算出機構)",
    "aliases": [
      "financial-regulators/hokenryo-sanshutsu-kiko",
      "hokenryo-sanshutsu-kiko",
      "GIROJ",
      "Non-Life Insurance Rating Organization of Japan",
      "損害保険料率算出機構",
      "損保料率機構",
      "Sonpo Ryoritsu Kiko",
      "NLIRO"
    ],
    "domain": "financial-regulators",
    "type": null,
    "created": "2026-05-24",
    "last_updated": "2026-05-24",
    "last_tended": "2026-05-24",
    "review_by": "2026-11-20",
    "confidence": "likely",
    "tags": [
      "JapanFG",
      "industry-body",
      "statutory-corporation",
      "insurance",
      "non-life",
      "rating-organization",
      "GIROJ",
      "FSA",
      "public-source"
    ],
    "status": "active",
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    "related": [],
    "note": null,
    "sources": [
      "https://www.giroj.or.jp/",
      "https://www.giroj.or.jp/english/",
      "https://www.giroj.or.jp/about/",
      "https://www.giroj.or.jp/member/",
      "https://www.fsa.go.jp/menkyo/menkyo.html?guid=ON",
      "https://www.fsa.go.jp/common/law/guide/ins/",
      "https://laws.e-gov.go.jp/law/323AC0000000193"
    ]
  },
  "summary": "GIROJ (損害保険料率算出機構) is the statutory premium-rating body for Japan's non-life insurance industry. It is established and authorized under the Act on Non-Life Insurance Rating Organizations (損害保険料率算出団体に関する法律, 1948) and operates two functionally distinct regimes — reference loss-cost (参考純率) for auto and",
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