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ガバナンス・リスク・コンプライアンス:ブラジルの保険業

Governance, Risk and Compliance - The Brazilian Insurance Industry

発行 GlobalData 商品コード 335275
出版日 ページ情報 英文 115 Pages
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ガバナンス・リスク・コンプライアンス:ブラジルの保険業 Governance, Risk and Compliance - The Brazilian Insurance Industry
出版日: 2020年01月17日 ページ情報: 英文 115 Pages
概要

当レポートでは、ブラジルの保険業におけるガバナンス・リスク・コンプライアンス関連の法規制体系について分析し、保険の種類別 (生命、財産、自動車、損害賠償、個人障害・健康、海上・航空・運送保険) の規制状況や、保険企業・再保険企業・中間業者の経営状況に対する法令・規制体制などの情報を取りまとめてお届けいたします。

第1章 イントロダクション

  • 当レポートの概要
  • 定義

第2章 ガバナンス・リスク・コンプライアンス

  • 法令の概要とこれまでの推移
  • 昨今の規制改正
  • 法令と市場慣行:保険の種類別
    • 生命保険
    • 財産保険
    • 自動車保険
    • 普通賠償責任保険
    • 海上・航空・運送保険
    • 個人障害・健康保険
  • 強制保険
    • 自賠責保険 (DPVAT)
    • 船舶・貨物による個人障害保険 (DPEM)
    • 社会保障保険
    • 国内信用状保険
  • 監督・管理機関
    • 保険監督者国際機構 (International Association of Insurance Supervisors)
    • ラテンアメリカ保険監督者協会 (Association of Insurance Supervisors Latin America)
    • 全国保険協会 (National Private Insurance Council)
    • 保険監督庁 (SUSEP)
    • 全国一般保険・年金・補完医療・資本保険協会 (CNseg)
    • 全国一般保険協会 (FenSeg)
    • 全国年金保険協会 (FenaPrevi)
    • 全国補完医療保険協会 (FenaSaude)
    • 全国資本保険協会 (FenaCap)
  • 未認可保険に対する規制
    • 概要
    • 中間業者
    • 市場の慣行
    • 罰金・罰則
  • 企業への規制と経営
    • 保険団体の種類
    • 現地企業の設立
    • 外資による所有
    • ライセンスの種類
    • 資本金の要件
    • ソルベンシー・マージン
    • 支払準備金の要件
    • 投資規制
    • 法定報告書の要件
    • 保険料の構造
  • 税制
    • 保険料への課税
    • 海外で支払われた保険料に対する源泉課税
    • 法人税
    • 付加価値税 (VAT)
    • キャプティブ保険 (自家保険)
  • 法体系
    • イントロダクション
    • 法廷へのアクセス
    • 裁判外紛争解決 (ADR)

第3章 付録

図表一覧

図表

List of Tables

  • Table 1: Insurance Industry Definitions
  • Table 2: Brazil - Insurance Regulatory Framework Key Features
  • Table 3: Brazil - Life Insurance Regulatory Framework
  • Table 4: Brazil - Property Insurance Regulatory Framework
  • Table 5: Brazil - Motor Insurance Regulatory Framework
  • Table 6: Brazil - Liability Insurance Regulatory Framework
  • Table 7: Brazil - Compensation Provided by the Insurer in the Event of an Accident
  • Table 8: Brazil - Premium Rates for DPVAT 2020
  • Table 9: Brazil - Percentage Component for Premium rates for DPVAT 2018
  • Table 10: Brazil - Minimum Credit Rating Requirement for Foreign Reinsurers
  • Table 11: Brazil - Rating Requirement for a Non-admitted Reinsurer
  • Table 12: Brazil - Ratings Required For Registration Of Reinsurance Business
  • Table 13: Brazil - Ratings Required For Registration Of Occasional Business
  • Table 14: Brazil - Percentage Concentration of Reinsurance or Retrocession Business
  • Table 15: Brazil - Reserve Requirement
  • Table 16: Brazil - Base Capital - Variable Component by Region
  • Table 17: Brazil - Base Capital of Capitalization Companies - Variable Component by Region
  • Table 18: Brazil - Risks Correlation Factor
  • Table 19: Brazil - Corporate Tax Rates for the Financial Year 2019

List of Figures

  • Figure 1: Brazil - Insurance Supervision and Control at Various Levels
  • Figure 2: Brazil - Insurance Regulatory Frameworks for Company Registration and Operation
目次
Product Code: GDIS0052RR

GlobalData's 'Governance, Risk and Compliance - The Brazilian Insurance Industry' report is the result of extensive research into the insurance regulatory framework in Brazil.

It provides detailed analysis of the insurance regulations for life, property, motor, liability, personal accident and health, and marine, aviation and transit insurance. The report specifies various requirements for the establishment and operation of insurance and reinsurance companies and intermediaries.

The report brings together GlobalData's research, modeling and analysis expertise, giving insurers access to information on prevailing insurance regulations, and recent and upcoming changes in the regulatory framework, taxation and legal system in the country. The report also includes the scope of non-admitted insurance in the country.

Key Highlights

  • Susep governs the insurance industry in Brazil.
  • Non-admitted insurance is not permitted in Brazil; however, there are a few exceptions.
  • The state reinsurer, Brasil Resseguros SA, was privatized in September 2013.
  • The FDI regime of Brazil allows up to 100% foreign ownership in domestic insurance companies.
  • Key classes of compulsory insurances include motor third-party liability, worker's compensation, and domestic credit insurance.

The report provides insights into the governance, risk and compliance framework pertaining to the insurance industry in Brazil, including -

  • An overview of the insurance regulatory framework in Brazil.
  • The latest key changes, and changes expected in the country's insurance regulatory framework.
  • Key regulations and market practices related to different types of insurance product in the country.
  • Rules and regulations pertaining to key classes of compulsory insurance, and the scope of non-admitted insurance in Brazil.
  • Key parameters including licensing requirements, permitted foreign direct investment, minimum capital requirements, solvency and reserve requirements, and investment regulations.
  • Details of the tax and legal systems in the country.

Scope

  • The report covers details of the insurance regulatory framework in Brazil.
  • The report contains details of the rules and regulations governing insurance products and insurance entities.
  • The report lists and analyzes key trends and developments pertaining to the country's insurance regulatory framework.
  • The report analyzes the rules and regulations pertaining to the establishment and operation of insurance businesses in the country.
  • The report provides details of taxation imposed on insurance products and insurance companies.

Reasons to buy

  • Gain insights into the insurance regulatory framework in Brazil.
  • Track the latest regulatory changes, and expected changes impacting the Brazilian insurance industry.
  • Gain detailed information about the key regulations governing the establishment and operation of insurance entities in the country.
  • Understand key regulations and market practices pertaining to various types of insurance product.

Table of Contents

1. Introduction

  • 1.1. What is this Report About?
  • 1.2. Definitions

2. GOVERNANCE, RISK AND COMPLIANCE

  • 2.1. Legislation Overview and Historical Evolution
  • 2.2. Latest Changes in Regulation
  • 2.3. Legislation and Market Practice by Type of Insurance
    • 2.3.1. Life insurance
    • 2.3.2. Property insurance
    • 2.3.3. Motor insurance
    • 2.3.4. Liability insurance
    • 2.3.5. Marine, aviation and transit insurance
    • 2.3.6. Personal accident and health insurance
    • 2.3.7. Reinsurance
  • 2.4. Compulsory Insurance
    • 2.4.1. Motor third-party liability insurance
    • 2.4.2. Social security insurance
    • 2.4.3. Domestic credit insurance
    • 2.4.4. Professional indemnity insurance for reinsurance brokers
    • 2.4.5. Civil liability insurance for passenger and cargo carriers travelling between French Guiana and Brazil
    • 2.4.6. Judicial guarantee insurance for labor disputes
    • 2.4.7. Compulsory condominium insurance
    • 2.4.8. Compulsory insurance for drivers and passengers of ride hailing
  • 2.5. Supervision and Control
    • 2.5.1. International Association of Insurance Supervisors
    • 2.5.2. Association of Insurance Supervisors Latin America
    • 2.5.3. National Private Insurance Council
    • 2.5.4. Superintendent of Private Insurance
    • 2.5.5. National Confederation of General Insurance, Private Pension and Life, Supplementary Health and Capitalization Companies
    • 2.5.6. National Federation of General Insurance
    • 2.5.7. National Federation of Open Private Pension and Life
    • 2.5.8. National Federation of Supplementary Health
    • 2.5.9. National Federation of Capitalization
    • 2.5.10. The National Regulatory Agency for Private Health Insurance and Plans
  • 2.6. Non-Admitted Insurance Regulations
    • 2.6.1. Overview
    • 2.6.2. Intermediaries
    • 2.6.3. Market practices
    • 2.6.4. Fines and penalties
  • 2.7. Company Registration and Operations
    • 2.7.1. Type of insurance organization
    • 2.7.2. Establishing a local company
    • 2.7.3. Foreign ownership
    • 2.7.4. Types of license
    • 2.7.5. Capital requirements
    • 2.7.6. Solvency margin
    • 2.7.7. Reserve requirements
    • 2.7.8. Investment regulations
    • 2.7.9. Statutory return requirements
    • 2.7.10. Fee structure
  • 2.8. Taxation
    • 2.8.1. Insurance premium or policy taxation
    • 2.8.2. Withholding taxes on premium paid overseas
    • 2.8.3. Corporate tax
    • 2.8.4. VAT
    • 2.8.5. Captives
  • 2.9. Legal System
    • 2.9.1. Introduction
    • 2.9.2. Access to court
    • 2.9.3. Alternative dispute resolution (ADR)

3. APPENDIX

  • 3.1. Methodology
  • 3.2. Contact GlobalData
  • 3.3. About GlobalData
  • 3.4. GlobalData's Services
  • 3.5. Disclaimer
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