2023年1月12日,

08:37a 01/12/2023 | 04:20pm EST信息:*必填字段保险来帮助管理全球性挑战中扮演着重要的角色,比如气候风险。企业风险管理是一个必要的因素使它成功。保险行业正准备应对新兴挑战在艰难的市场条件下,和风险管理在这一转变中起着重要作用。一个坚实的企业风险管理(ERM)框架使保险事业更有弹性和更有利可图。ERM帮助建立一个风险文化在一个公司,实现法规遵从性,作为偿付能力II的内部模型。此外,ERM带来商业利益通过提高资产负债管理(ALM)和流动性风险监测与目标一致的资产配置风险偏好与公司的框架。[1]的出发点是一致的表示市场资产负债表,它允许公司运行大型蒙特卡罗模拟和量化的尾部风险。人能因此识别罕见的司机,破坏性事件,和平衡资产组合降低风险,提高收益。从一个公司的角度来看,因此,汇率机制驱动的竞争优势。因为它使risk-aware业务管理、汇率机制确保进一步保护投保人。 When applied systemically, it contributes to stability across the entire sector, which is essential to stable economic growth, particularly in the face of challenges such as global warming and extreme weather events. The insurance sector can contribute in many ways to reducing climate risks. Since insurers are large institutional investors, they can help facilitate the transition to a net-zero emissions economy by increasing the allocation to green assets and critical infrastructure. Their models of transition and physical risks can also be leveraged by businesses and governments to make informed decisions. Finally, the flow of capital to mitigation and adaptation projects can be prioritized by insurance underwriters. These objectives can be achieved using ERM as a basis to integrate ESG (Environmental, Social, Governance) and climate into a consistent risk framework that empowers positive action. These transformations align the interest of individual competitive firms, who want to take more healthy risks, with those of government climate change policy and society.