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eva · 2024年03月29日

不明白

NO.PZ2023091802000003

问题如下:

The CFO and CRO at a French property-casualty insurer are discussing the impact recent flooding in Europe is having on their company. They are concerned about a surge in property insurance claims causing the company’s regulatory capital to fall below the solvency capital requirement (SCR) prescribed under Solvency II. Which of the following would be a result of this situation?

选项:

A.

The company will be prevented from writing new property-casualty policies.

B.

A plan to bring capital above the minimum capital requirement must be formulated.

C.

The company can lower the capital charges assessed for determining the capital requirement by decreasing investment risk.

D.

A waiver of capital requirements can be granted by the French insurance regulator.

解释:

C is correct. Solvency II provides for capital charges for investment risk, underwriting risk, and operational risk. Lowering any of these risks will lower the related capital charges assessed for determining the capital requirement levels.

A is incorrect. An insurer whose capital falls below the minimum capital requirement may be prevented from taking new business.

B is incorrect. The minimum capital requirement is lower than the solvency capital requirement, so breaching the solvency capital requirement may still leave the company above the minimum capital requirement.

D is incorrect. European insurers are regulated by a European Union regulator, not by state regulators.

可以解釋一下答案?谢老師

1 个答案
已采纳答案

李坏_品职助教 · 2024年03月29日

嗨,从没放弃的小努力你好:


题目问你,关于Solvency II,哪一个叙述是正确的?

首先要明确:最低资本要求是一个最低的要求,而solvency capital requirement(SCR)是另外一个较高的要求,这两个要求不一样。


A选项说的是保险公司如果资本低于最低资本金要求,一定会被阻止卖出新保险产品。这个不对,按照Solvency II的规定,低于最低资本要求的公司才会被阻止开发业务,但题目里面的公司只是低于solvency capital requirement(SCR),并没有说公司的资本低于最低资本要求,所以A错误。

B说的是公司必须制定一个计划,来提升资本金,让资本金大于最低资本要求,这个也不对。按照Solvency II的要求,如果公司资本金低于SCR,那么应该是制定计划把资本金提升到SCR以上,并不是Minimum capital requirement。

D错误,应该是由欧盟的European Union regulator来决定对成员公司的监管,不能由某个成员国进行监管。


只有C是正确的。降低投资风险确实可以让公司的capital charges降低。



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