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国际保险监督官协会(IAIS):2022年全球保险市场报告 (GIMAR)(英文版)(71页).pdf

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1、Global Insurance Market Report(GIMAR)December 20222022 GLOBAL INSURANCE MARKET REPORTThe International Association of Insurance Supervisors(IAIS)is a voluntary membership organisation of insurance supervisors and regulators from more than 200 jurisdictions.The mission of the IAIS is to promote effec

2、tive and globally consistent supervision of the insurance industry in order to develop and maintain fair,safe and stable insurance markets for the benefit and protection of policyholders,and to contribute to global financial stability.Established in 1994,the IAIS is the international standard-settin

3、g body responsible for developing principles,standards and other supporting material for the supervision of the insurance sector and assisting in their implementation.The IAIS also provides a forum for members to share their experiences and understanding of insurance supervision and insurance market

4、s.The IAIS coordinates its work with other international financial policymakers and associations of supervisors or regulators,and assists in shaping financial systems globally.In particular,the IAIS is a member of the Financial Stability Board(FSB),a member of the Standards Advisory Council of the I

5、nternational Accounting Standards Board(IASB),and a partner in the Access to Insurance Initiative(A2ii).In recognition of its collective expertise,the IAIS also is routinely called upon by the G20 leaders and other international standard-setting bodies for input on insurance issues as well as on iss

6、ues related to the regulation and supervision of the global financial sector.For more information,please visit www.iaisweb.org and follow us on LinkedIn:IAIS International Association of Insurance Supervisors.IThis document is available on the IAIS website(www.iaisweb.org).International Association

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本文主要介绍了2022年全球保险市场报告(GIMAR)的结果,该报告由国际保险监督官协会(IAIS)进行,旨在监测全球保险行业的关键风险和趋势,并评估系统性风险的潜在积聚。报告基于2021年底的数据,包括对约60家大型国际保险集团的个人保险公司监测(IIM)数据,以及来自全球各地监管机构的行业监测(SWM)汇总数据,覆盖全球90%以上的毛保费。 主要内容包括: 1. 2021年,全球保险资产总额增长4.9%,达到44万亿美元,而总负债增长4.3%,达到38万亿美元。资产主要由企业债券、主权债务和股票组成。 2. 2021年,全球保险业的偿付能力比率有所提高,盈利能力也相对稳定或有所改善。 3. 监管机构在2021年继续加强对保险公司的偿付能力、盈利能力和流动性的监管,包括增加偿付能力和流动性报告要求,以及进行压力测试。 4. 保险公司为改善盈利能力采取了多种措施,包括优化资本配置、实现投资收益、数字化转型、多样化产品和服务、优化承保和定价政策。 5. 监管机构预计,未来保险业的盈利能力将受到地缘政治紧张、宏观经济前景恶化、通货膨胀上升、中央银行货币政策收紧、信用风险增加等因素的影响。 6. 监管机构计划进一步加强监测和分析与通货膨胀和利率上升相关的风险,以及经济衰退压力对保险业偿付能力和盈利能力的影响。
保险监管机构如何应对全球保险市场风险? 保险业如何应对气候变化带来的风险? 私人股权投资对保险业有何影响?
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