摘要
美国保险监管官协会(NAIC)于上世纪90年代先后在美国人寿保险业和美国财产保险业正式建设美国风险基础资本(RBC)偿付能力监管体系。随着国际保险业与美国保险业的发展变化,美国保险监管官协会于2008年中开始推进美国偿付能力现代化工程建设(SMI),其目标是建立一个能适应美国国内外保险市场变化的新偿付能力监管框架。美国的偿付能力现代化工程建设涉及到保险业公司治理和风险管理的诸多方面,其中再保险信用风险监管规则也发生了重大变化。在经历了偿付能力现代化工程建设之后,美国目前的风险基础资本偿付能力监管框架是什么样子?对再保险信用风险监管做了哪些改变?本文将对这些问题进行着重阐述。
The solvency regulatory regime of Risk-based Capital(RBC) was formally implemented by the National Association of Insurance Commissioners(NAIC) in the life insurance industry and the P&C insurance industry of the United States successively in the 1990 s. With the development of the international insurance industry and the US insurance industry, the NAIC launched the Solvency Modernization Initiative(SMI)in 2008. The goal of the SMI was to establish a new solvency regulatory regime that could adapt to the changes of the insurance industry. The SMI involved many aspects of the insurance industry including corporate governance and risk management etc. Meanwhile, there were some significant changes in the regulatory rules of reinsurance credit risk. What is the current regulatory framework for the US RBC after experiencing the lag in the construction of the solvency modernization project? What changes have been made to the regulation of reinsurance credit risk? This article will focus on these issues.
作者
李晓翾
卢山
Li Xiaoxuan;Lu Shan
出处
《保险职业学院学报》
2020年第4期85-87,共3页
Journal of Insurance Professional College
