28 августа 2019
Наталья Ключевская
threecvet.gmail.com / Depositphotos.com
Документ направлен на совершенствование подходов к определению финансовой устойчивости и платежеспособности страховщиков, а также обновление методики определения их собственных средств (капитала). Проект1 опубликован на официальном сайте регулятора.
В числе ключевых нововведений выделены следующие:
учет всех активов страховщика при определении величины его капитала (в настоящее время требования к активам предъявляются только в части размера средств страховых резервов и капитала страховщика); установление нового подхода к определению собственных средств страховщика (речь идет о разнице между активами, удовлетворяющими требованиям Банка России, и обязательствами страховщика); введение нового показателя, характеризующего объем рисков, принимаемых страховщиком в связи с его инвестиционной деятельностью, наряду с показателем, характеризующим страховые риски, принятые страховщиком (нормативный размер маржи платежеспособности); определение оценки влияния рисков на горизонте в один год и оценка его как влияния в совокупности нескольких рисков – концентрационного риска, а также рисков изменения кредитного спреда, процентных ставок, стоимости акций, валютного курса, цен на недвижимость и иные активы, кредитного риска.
Обязан ли страховщик по требованию страхователей разъяснять положения, содержащиеся в правилах страхования и договорах страхования? Узнайте из «Энциклопедии решений. Договоры и иные сделки» в интернет-версии системы ГАРАНТ. Получите полный доступ на 3 дня бесплатно!
Напомним, гарантиями обеспечения финансовой устойчивости и платежеспособности страховщика считаются экономически обоснованные страховые тарифы; сформированные страховые резервы; средства страховых резервов, достаточные для исполнения обязательств по страхованию, сострахованию, перестрахованию, взаимному страхованию; собственные средства (капитал); перестрахование (п. 1 ст. 25 Закона РФ от 27 ноября 1992 г. № 4015-I «Об организации страхового дела в Российской Федерации»).
Новые нормы планируется вводить в действие поэтапно. Так, в случае одобрения инициативы с 1 июля 2021 года начнут действовать требования по расчету величины собственных средств и расчету нормативного соотношения с учетом концентрационного риска, а с 1 июля 2022 года – будет введена оценка влияния на платежеспособность страховщика рисков, предусмотренных проектом, но в ограниченном объеме. Остальные положения документа вступят в силу с 1 июля 2025 года. _____________________________
1 С текстом проекта Положения Банка России «Об обеспечении финансовой устойчивости и платежеспособности страховщиков» можно ознакомиться на официальном сайте Банка России.
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