Tres sistemas y un objetivo: solvencia

• Autores: Asier Garayeta Bajo, Joseba Iñaki de la Peña Esteban , Iván Iturricastillo Plazaola
• Localización: Anales del Instituto de Actuarios Españoles, ISSN 0534-3232, Nº 20, 2014, págs. 33-52
• Idioma: español
• Enlaces
  • Texto completo
• Resumen
  • español

    La determinación del capital óptimo en las compañías de seguros es una constante en el mundo. En Europa, este proceso se conduce a través de la directiva Solvencia II. Suiza ha llevado a cabo sus propias pruebas. EE.UU.

    por su parte también ha visto la necesidad de revisar su capital basado en el riesgo con la Iniciativa de Modernización de Solvencia desarrollada en 2013 por el NAIC.

    El objetivo de este artículo es revisar cómo están afectando las nuevas regulaciones de solvencia en los principales mercados. Se aporta una comparación entre ellos, incorporando la nueva y la antigua situación existente en los EE.UU.

  • English

    The capital requirement at insurance companies is a constant in the world. In Europe, this process has been done across Solvency II. Switzerland has carried out its own tests. USA also has seen the need to check its requirements based on the risk with the Initiative of Modernization of Solvency developed in 2013 by the NAIC. The aim of this paper is to check how they are affecting the new regulations of solvency on the principal markets. A comparison is contributed between them, as well as including the new one and the former existing situation in the USA

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