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 法律指令 2009/138/EC

I. 描述

The main purposes of the Solvency II Directive are to increase the protection of policyholders, create a level playing field for the insurance industry in the European single market and ensure substantially uniform supervisory practices throughout Europe. Generally speaking, the new Solvency II supervisory regime is divided into three pillars:

Pillar 1: Quantitative rules

The first pillar of Solvency II essentially lays down the quantitative rules. It not only contains rules governing the valuation of assets and liabilities, but also lays down capital requirements and rules relating to own funds. The aim is to ensure that undertakings have adequate capital backing at all times. Valuations must be consistent with the market, in other words consistent with the information provided by financial markets.

Pillar 2: Governance rules

The second pillar of Solvency II contains qualitative requirements applicable to the system of governance, i.e. the business organisation of undertakings. Solvency II requires undertakings to maintain, among others, the following key functions: risk management function; compliance function; actuarial function and internal audit function.

An effective risk management system must also be put in place and maintained. A key component of risk management systems are own risk and solvency assessments (ORSA), which tie risk management to capital management.

Pillar 3: Reporting and disclosure requirements

The third pillar of Solvency II essentially contains the requirements governing the undertakings' reporting of information both to the supervisory authority and to the public. A Solvency and Financial Condition Report (SFCR), to be published annually, and a Regular Supervisory Report (RSR), to be submitted to the supervisory authority at least every three years, will be required. Both reports predominantly, although not exclusively, contain qualitative information. Reporting forms containing quantitative information on undertakings will also be introduced. The existing reporting requirements are being revised in light of the new reporting regime in order to avoid double-ups.

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II. 基本信息

标题

Directive 2009/138/EC of the European Parliament and of the Council of 25 November 2009 on the taking-up and pursuit of the business of Insurance and Reinsurance

缩写
Solvency II
状态
现存
法律指令
2009/138/EC
官方. 版本
公告. EC 号. L (Legislation), 公布 335, 年 2009, S.1
日期
2009/11/25
公告
2009/12/17
法案
Lamfalussy-框架法案
通过
法律基础
Art. 47 II, 55 EC
法的实施
Codecision procedure

III. 文本和产生历史

1. 文本

Titel
Allg. Daten
Textfassung

  2013/23/EU

Beschluss:
2013/05/13 (D)
Verkuendung:
2013/06/10 (V)

原始.版本 Solvency II:
Directive 2009/138/EC of the European Parliament and of the Council of 25 November 2009 on the taking-up and pursuit of the business of Insurance and Reinsurance

  2009/138/EC

Beschluss:
2009/11/25 (D)
Verkuendung:
2009/12/17 (V)
(D) 日期 | (V)公布

2. Reformvorhaben

3. 发生史

Datum
Typ / Titel
Textfassungen
2009/04/22
Report of the European Parliament - 1st reading
T6-0251/2009
2008/05/29
Opinion of the European Economic and Social Committee
O.J. EC No. C, Ausgabe 224, Jahr 2008, p. 11
2007/07/10
Proposal
COM(2007) 361 endgültig

4. 影响

Auswirkungstyp
Richtlinie
Textfassungen
保留
  法律指令 2005/68/EC
修改
  法律指令 2003/41/EC
保留
  法律指令 2002/83/EC
保留
  法律指令 2001/17/EC
保留
  法律指令 2000/64/EC
保留
  法律指令 98/78/EC
保留
  法律指令 92/49/EEC
保留
  法律指令 88/357/EEC
保留
  法律指令 73/240/EEC
保留
  法律指令 73/239/EEC
保留
  法律指令 76/580/EEC
保留
  法律指令 78/473/EEC
保留
  法律指令 87/344/EEC
保留
  法律指令 84/641/EEC
保留
  法律指令 64/225/EEC

2. CESR Level 2

Durchführungsbestimmungen RL 2009/138/EG (Delegierte VO)
CESR/

V. Umsetzung in den Mitgliedstaaten

1. 在德国的实施

2015/04/01 (B)

2015/04/10 (V)

(B) 决定 | (V) 公告

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目录

I. 描述
II. 基本信息
III. 文本和产生历史
1. 文本
2. Reformvorhaben
3. 发生史
4. 影响
IV. 实施- / 委托的法案 第二层次)
1. 通过
2. CESR Level 2
V. Umsetzung in den Mitgliedstaaten
1. 在德国的实施