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国际保险监督官协会(IAIS):2021年全球保险市场报告 (GIMAR)(英文版)(38页).pdf

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1、2021GLOBAL INSURANCE MARKET REPORT GIMARAbout the IAIS The 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 effective and globally consistent s

2、upervision 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-setting body responsible for develop

3、ing 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 markets.The IAIS coordinates its wor

4、k with other international financial policymakers and associations of supervisors or regulators,and assists in shaping financial AcronymsCDS Credit default swapCLO Collateralised loan obligationGIMAR Global Insurance Market ReportGME Global Monitoring ExerciseGRMS Global reinsurance market studyIAIS

5、 International Association of Insurance SupervisorsIIM Individual insurer monitoringMA Matching adjustment MGVP Minimum guarantees on variable productsM&A Mergers and acquisitions ORSA Own risk and solvency assessmentPE Private equityP&C Property and casualtySIFI Systematically important financial i

6、nstitutionSWM Sector-wide monitoringsystems globally.In particular,the IAIS is a member of the Financial Stability Board(FSB),member of the Standards Advisory Council of the International Accounting Standards Board(IASB),and partner in the Access to Insurance Initiative(A2ii).In recognition of its c

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本文主要介绍了国际保险监督官协会(IAIS)的2021年全球保险市场报告(GIMAR),该报告基于全球监测演习(GME)的结果,旨在监测全球保险业的关键风险和趋势,并评估系统性风险的潜在积累。报告的主要内容包括: 1. 保险公司的偿付能力:2020年下半年,受金融市场强劲表现和前所未有的财政及货币政策刺激,保险公司的偿付能力比率继续改善,但整体仍低于2019年底的水平。 2. 盈利能力:受低利率环境和疫情的影响,保险公司的盈利能力持续受到压力,尽管有所改善,但整体仍面临挑战。 3. 流动性:保险公司的流动性状况整体保持稳定,但部分公司因业务线影响和集团层面资本管理政策而受到影响。 4. 资产和负债:保险公司资产配置保持稳定,负债方面,由于低利率环境,寿险业务面临转型和重新定价的压力。 5. 宏观审慎主题:报告确定了三个宏观审慎主题,包括低利率环境和私募股权所有权、信用风险和网络风险。监管机构正在采取措施应对这些风险,包括加强监管对话、更新监管报告、现场审查、季度监测、压力测试和敏感性分析等。 综上所述,尽管面临疫情和低利率环境的挑战,但保险公司在2020年保持了运营和财务的韧性,监管机构也在积极采取措施应对潜在的系统性风险。
保险监管机构如何应对低利率环境? 保险业如何应对网络风险? 保险业如何应对信用风险?
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