保护保险定价中的公众利益.pdf

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1、SINGAPORE ACTUARIAL CONFERENCE 202426-29 August 2024Protecting the Public Interest in Insurance PricingMudit Gupta28 August 2024SINGAPORE ACTUARIAL CONFERENCE 202426-29 August 2024Agenda1.Insurance pricing under increased scrutiny2.Principles3.Responsibilities of pricing professionalsSINGAPORE ACTUA

2、RIAL CONFERENCE 202426-29 August 20241 Insurance pricing under increased scrutinySINGAPORE ACTUARIAL CONFERENCE 202426-29 August 2024Developments from the UK Source:https:/www.fca.org.uk/news/press-releases/fca-fines-lbgi-90-million-failures-communications-home-insurance-renewals-2009-2017https:/ AC

3、TUARIAL CONFERENCE 202426-29 August 2024Source:https:/www.fca.org.uk/news/press-releases/fca-confirms-measures-protect-customers-loyalty-penalty-home-motor-insurance-marketshttps:/www.fca.org.uk/news/news-stories/consumer-duty-higher-standards-financial-servicesSINGAPORE ACTUARIAL CONFERENCE 202426-

4、29 August 2024From the EU SINGAPORE ACTUARIAL CONFERENCE 202426-29 August 2024Some examples from the USA SINGAPORE ACTUARIAL CONFERENCE 202426-29 August 2024Source:https:/ ACTUARIAL CONFERENCE 202426-29 August 2024From Australia Source:ASIC,https:/asic.gov.au/about-asic/news-centre/find-a-media-rele

5、ase/2023-releases/23-169mr-general-insurers-to-repay-consumers-815-million-for-broken-pricing-promises/SINGAPORE ACTUARIAL CONFERENCE 202426-29 August 2024SINGAPORE ACTUARIAL CONFERENCE 202426-29 August 2024From New Zealand SINGAPORE ACTUARIAL CONFERENCE 202426-29 August 2024In Singapore“Financial i

6、nstitutions offer products and services that are suitable for their target customer segments”“Customers receive clear,relevant,and timely information that accurately represent the products and services offered and delivered.”“form a balanced assessment of the value that the product ultimately offers