Supravegherea prudenţială asupra capitalizării pieţii asigurărilor

Abstract

Since the activities are global, including insurance, supervisors recent concern has been to unify the legal framework for solvency requirements (consequence of the crisis in 2008, which was more pronounced in the U.S. than in Europe, where mitigated the Basel banking system collapse). This article examines how major solvency regimes applied internationally influencing the own funds of insurance companies, particularly increasing solvency capital required to properly regulate companies' risk profile. Moreover, it provides a picture of the methods of ensuring financial stability at national industry to properly address the systemic and systematic exposure.