確診若達20% 6大產險5家撐不住 - 保險
By Bethany
at 2022-05-17T18:53
at 2022-05-17T18:53
Table of Contents
出處連結:
https://ec.ltn.com.tw/article/paper/1517519
防疫險巨災理賠風險試算 銷售前6大剩1家RBC撐住200%
針對防疫險之亂恐引發產險業巨災理賠風險,金管會要求各產險公司試算理賠金額及進行壓力測試,五月底前出具防疫險影響報告。據業者試算,銷售防疫險前六大產險公司在累積確診率(確診人口占總人口比重)達十二%情境時,將有四家資本適足率(RBC)掉到二○○%以下,陷入資本不足到嚴重不足困境,若不適時改善或限期增資,恐有倒閉風險;若確診率達二十%,只剩一家RBC還可撐在二○○%,但近十年獲利將全數吐出。
RBC是金管會控管保險業經營體質的主要標準、其次是「淨值比」。RBC計算是自有資本/風險資本,超過二○○%屬於「資本適足」、一五○%到二○○%為資本不足、五十%到一五○%是資本顯著不足、低於五十%是資本嚴重不足。當資本不足時,保險公司將被限制商品、資金運用、負責人薪酬紅利等;若嚴重不足時,期限內若不增資或改善,九十天內將被接管、停業或解散。
目前各產險公司RBC都超過二○○%,若以防疫險前幾大的富邦產險、國泰世紀產險、和泰產險、新安東京海上產險、中信產險及兆豐產險等,約在二八四%到六○○%之間,其中以國泰世紀產險最低,兆豐產險、中信產險及新安東京海上逾六○○%;RBC每半年揭露一次,這次防疫險之亂造成產險業面臨的巨災損失,恐將出現在今年上半年的RBC數字上。
扣除再保 損失金額超過400億
保險局要求產險公司在五月底前試算理賠金額及進行壓力測試、並提出影響報告。根據多家業者試算結果(不顯示業者名稱),依確診率十二%、十五%及二十%三種情境,十二%到十五%情境時,防疫險銷售前六大中僅二家的RBC可撐在二○○%標準以上,確診率二十%情境時,僅剩一家撐得住,其餘五家RBC將不足、甚至嚴重不足;這六家業者就算扣除再保,損失金額仍將超過四百億元。
想法評論:
感覺產險業者最近應該買了不少業配文
財經雜誌和報紙冒出一堆產險撐不住會倒的新聞
第一次知道原來台灣保險業抗風險能力這麼弱啊w
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