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  "raw_markdown_url": "https://finwiki.zksc.io/insurance/japan-kyosai-vs-fsa-insurance-perimeter-matrix.md",
  "domain": "insurance",
  "title": "Japan kyosai vs FSA insurance perimeter matrix",
  "entry_type": "wiki_entry",
  "frontmatter": {
    "title": "Japan kyosai vs FSA insurance perimeter matrix",
    "aliases": [
      "japan-kyosai-vs-fsa-insurance-perimeter-matrix",
      "Japan kyosai vs insurance perimeter",
      "Kyosai vs Insurance Business Act perimeter",
      "kyosai FSA perimeter comparison",
      "Japan kyosai regulator overlay",
      "日本 共済 保険業法 比較マトリクス",
      "JA Zenkyoren Zenrosai Kenmin COOP perimeter matrix",
      "Japan cooperative insurance vs commercial insurance matrix",
      "JapanFG/coop-kyosai",
      "JapanFG/japan-coop",
      "JapanFG/kenmin-kyosai"
    ],
    "domain": "insurance",
    "type": null,
    "created": "2026-05-25",
    "last_updated": "2026-07-30",
    "last_tended": "2026-07-30",
    "review_by": "2026-11-25",
    "confidence": "likely",
    "tags": [
      "insurance",
      "matrix",
      "kyosai",
      "cooperative",
      "regulator",
      "japan",
      "fsa",
      "maff",
      "mhlw",
      "perimeter"
    ],
    "status": "active",
    "canonical_anchor": null,
    "related": [],
    "note": null,
    "sources": [
      "https://www.fsa.go.jp/policy/economic_value-based_solvency/index.html",
      "https://www.fsa.go.jp/en/regulated/",
      "https://www.maff.go.jp/j/keiei/sosiki/kyosoka/k_kyousai/",
      "https://www.mhlw.go.jp/stf/seisakunitsuite/bunya/0000050991.html",
      "https://www.ja-kyosai.or.jp/",
      "https://www.zenrosai.coop/",
      "https://www.kyosai-cc.or.jp/",
      "https://coopkyosai.coop/",
      "https://www.zenjikyou.coop/",
      "https://www.seiho.or.jp/english/about/companies/",
      "https://www.sonpo.or.jp/about/gaiyo/",
      "https://www.nta.go.jp/taxes/shiraberu/taxanswer/shotoku/1140.htm"
    ]
  },
  "summary": "Japan runs two parallel risk-pooling perimeters that look similar at the customer-facing product level but sit under completely different regulators, supervisory laws, capital regimes, tax codes, and distribution constraints. The FSA-regulated commercial insurance perimeter, governed by the Insuranc",
  "headings": [
    "Japan kyosai vs FSA insurance perimeter matrix",
    "TL;DR",
    "Wiki route",
    "Why this matrix matters",
    "FSA commercial insurance perimeter — Insurance Business Act core",
    "Kyosai perimeter — cooperative laws and sector regulators",
    "Tax, surplus, and capital treatment",
    "Big comparison matrix table",
    "Regulator, law, and licence",
    "Membership / access gate"
  ],
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      "FSA",
      "INDEX",
      "insurance/INDEX",
      "insurance/bancassurance-economics-japan",
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      "https://finwiki.zksc.io/ja/insurance/japan-life-insurance-big-four/",
      "https://finwiki.zksc.io/ja/insurance/japan-medical-insurance-rider-product-matrix/",
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      "https://coopkyosai.coop/",
      "https://elaws.e-gov.go.jp/document?lawid=340AC0000000033",
      "https://www.fsa.go.jp/en/regulated/",
      "https://www.fsa.go.jp/policy/economic_value-based_solvency/index.html",
      "https://www.ja-kyosai.or.jp/",
      "https://www.kyosai-cc.or.jp/",
      "https://www.maff.go.jp/j/keiei/sosiki/kyosoka/k_kyousai/",
      "https://www.mhlw.go.jp/stf/seisakunitsuite/bunya/0000050991.html",
      "https://www.nta.go.jp/taxes/shiraberu/taxanswer/shotoku/1140.htm",
      "https://www.seiho.or.jp/english/about/companies/",
      "https://www.sonpo.or.jp/about/gaiyo/",
      "https://www.zenrosai.coop/"
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