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市场调查报告书

治理、风险、合规性:巴西的保险业

Governance, Risk and Compliance - The Brazilian Insurance Industry

出版商 GlobalData 商品编码 335275
出版日期 内容资讯 英文 115 Pages
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价格
治理、风险、合规性:巴西的保险业 Governance, Risk and Compliance - The Brazilian Insurance Industry
出版日期: 2020年01月17日内容资讯: 英文 115 Pages
简介

本报告提供巴西的保险业的治理、风险、合规性相关的法律规章体系相关分析、各保险种类 (生命、财产、汽车、损失赔偿,个人意外保险、健康,海上、航空、运输保险) 的法规情形,及保险企业、再保险企业、中间业者的经营情形的法规、管理体制等资讯汇整,为您概述为以下内容。

第1章 简介

  • 本报告概要
  • 定义

第2章 治理、风险、合规性

  • 法规的概要与到现在为止的转变
  • 近来的法规修改
  • 法规与市场惯行:各保险种类
    • 人寿保险
    • 财产保险
    • 汽车保险
    • 一般第三责任险
    • 海上、航空、运输保险
    • 个人意外保险、健康保险
  • 强制保险
    • 第三人意外责任险 (DPVAT)
    • 船舶、货物的个人意外保险 (DPEM)
    • 社会保障保险
    • 国内信用证保险
  • 监督、管理机关
    • 保险监督者国际机构 (International Association of Insurance Supervisors)
    • 南美保险监督者协会 (Association of Insurance Supervisors Latin America)
    • 全国保险协会 (National Private Insurance Council)
    • 保险监督廳 (SUSEP)
    • 全国一般保险、养老金、补充医疗、资本保险协会 (CNseg)
    • 全国一般保险协会 (FenSeg)
    • 全国年金保险协会 (FenaPrevi)
    • 全国补充医疗保险协会 (FenaSaude)
    • 全国资本保险协会 (FenaCap)
  • 针对未认证保险的法规
    • 概要
    • 中间业者
    • 市场惯例
    • 罚款、惩罚条例
  • 企业的法规和经营
    • 保险团体的种类
    • 现场企业的创设
    • 外资的拥有
    • 许可证的种类
    • 资本金的必要条件
    • 清偿能力边际
    • 付款储备金的必要条件
    • 投资法规
    • 法定报告书的必要条件
    • 保险费结构
  • 税制
    • 保险费的课税
    • 在海外支付的保险费的预扣税
    • 公司税
    • 增值税 (VAT)
    • 专属保险
  • 法律体系
    • 简介
    • 法庭的点阅存取
    • 审判外解决纷争 (ADR)

第3章 附录

图表一览

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目录
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

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