Draudimo verslas Europos Sąjungoje: draudėjų apsauga

Abstract

Šio straipsnio tikslas - ištirti iki šiol draudimo įmonėse taikomos sistemos „Mokumas I“ silpnąsias vietas bei sistemos „MokumasII" pranašumus, atsižvelgiant į jos kiekybinio poveikio vertinimo studijų rezultatus, atliktus Europos draudimo ir profesinių pensijų priežiūros institucijų komiteto per 2005-2010 metų laikotarpi, bei nustatyti jos įgyvendinimo reikšmę ir įtaką Lietuvos draudimo rinkai bei draudėjams.

The article providesanalysis of the advantages of the Solvency II directive: market consistent valuation of assets and liabilities and explicit measurement of risk capital; a holistic, cross-balance sheet approach covering all quantifiable risk types and their inter dependencies; high risk transparency that requires a greater risk awareness among managers to be embedded in key decision-making processes; risk management focus - tackling the source of problems, not symptoms; ladder of interventions - starting at an upper threshold (solvency capital requirement) requiring companies to submit a plan for prompt corrective actions and ending at a lower threshold at which the regulator takes over (minimum capital requirement); group supervision - considering the real aggregated economic profile of groups, yet in conjunction with supervision at the legal entity level. This analysis of the risks arising from Solvency I and advantages of Solvency II is intended to help take decisions in further discussions on the framing offuture solvency regulations. Implementation of the Solvency II Directive will further strengthen the protection of policyholders' interests and promote the healthy development of the insurance sector in Europe.