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Publication
Solvência II – caracterização, processos de negócio, reporte e exemplo prático na área de resseguro
| Name: | Description: | Size: | Format: | |
|---|---|---|---|---|
| 3 MB | Adobe PDF |
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Advisor(s)
Abstract(s)
Considerando a volatilidade dos mercados financeiros e os escândalos financeiros
verificados num passado recente que colocaram a economia mundial numa situação crítica,
foi necessário encontrar novas formas de regular as atividades financeiras tanto nos Estados
Unidos da América como no espaço Europeu. Face ao cenário económico dos últimos anos, a
União Europeia criou novos imperativos regulamentares de supervisão para o setor financeiro
da banca e seguros a entrar oficialmente em vigor em 2016.
Existe a necessidade de efetuar uma extensa e morosa análise a todos os novos requisitos
de informação a fornecer para reporte, quais as metodologias de base que serão utilizadas para
cálculos, quais os conceitos base que estão relacionados com a informação a fornecer e, como
corolário desta mudança, planear a adaptação das Companhias de Seguros a este desafio no
âmbito organizacional e de sistemas de informação.
Foi desenvolvido um estudo sobre o Solvência II – um programa legislativo da União
Europeia a ser implementado pelos 28 Estados Membros que introduz um regime
regulamentar harmonizado em toda a União Europeia – sendo apresentados um
enquadramento base sobre o tema, a identificação dos desafios que são colocados à atividade
e a análise parcial de uma das áreas da atividade seguradora: o Resseguro. Reunindo e
sistematizando o máximo de informação que existe sobre as atuais e futuras necessidades de
reporte para dar resposta à EIOPA1 em 2016, foi criado um cenário de comparação usando um
modelo típico de processos de negócio no presente na área de Resseguro duma Companhia de
Seguros, e desenvolvido um novo modelo de processos de negócio centrado em dois
objetivos: melhorar o tratamento da informação e automatização dos processos; gerar dados
base adaptados às necessidades futuras de reporte. Após a sistematização dos processos de
negócio atuais e dos processos de negócio futuros, foi gerado um exemplo de pequena
dimensão para demonstrar e validar as alterações propostas.
Considering the financial market volatility and the financial scandals that happened in a recent past, and led the world economy to a quite fragile state, the need to find new financial regulation emerged in the United States of America and European Union. The origins of the latest year’s economic crisis in the European Union led to new regulatory and supervision measures for bank and insurance finance business, which will be mandatory in 2016. As the new measures and report requirements have been prepared, discussed and issued, there’s a need to thoroughly analyze all the new information data needs, which calculation methods will be applied, what are the key concepts related to the information disclosure and, in the end, the needed adjustment of an Insurance Company organization and IT requirements to a new reality. This document addresses a study about Solvency II - an EU legislative program to be implemented in all 28 Member States that introduces a new, harmonized EU-wide insurance regulatory regime – with a basic framework about the challenges introduced and an impact analysis for one area within the Insurance Company: Reinsurance Business. Gathering as much information as possible about the current and future report needs to address EIOPA requirements in 2016, a comparison scenario was developed between the current business processes in a typical Reinsurance Department and a new business processes model created with two major goals: improve data processing and further business; generate databases that will address the new report needs. After concluding the current and new business processes systematization, there’s a small example that aim’s to demonstrate and validate the new business processes scenario.
Considering the financial market volatility and the financial scandals that happened in a recent past, and led the world economy to a quite fragile state, the need to find new financial regulation emerged in the United States of America and European Union. The origins of the latest year’s economic crisis in the European Union led to new regulatory and supervision measures for bank and insurance finance business, which will be mandatory in 2016. As the new measures and report requirements have been prepared, discussed and issued, there’s a need to thoroughly analyze all the new information data needs, which calculation methods will be applied, what are the key concepts related to the information disclosure and, in the end, the needed adjustment of an Insurance Company organization and IT requirements to a new reality. This document addresses a study about Solvency II - an EU legislative program to be implemented in all 28 Member States that introduces a new, harmonized EU-wide insurance regulatory regime – with a basic framework about the challenges introduced and an impact analysis for one area within the Insurance Company: Reinsurance Business. Gathering as much information as possible about the current and future report needs to address EIOPA requirements in 2016, a comparison scenario was developed between the current business processes in a typical Reinsurance Department and a new business processes model created with two major goals: improve data processing and further business; generate databases that will address the new report needs. After concluding the current and new business processes systematization, there’s a small example that aim’s to demonstrate and validate the new business processes scenario.
Description
Dissertação de Projeto submetido como requisito parcial para obtenção do grau de Mestre em Informática de Gestão
Keywords
Solvência II Processos de Negócio Resseguro Reporte na área Seguradora Solvency II Business Processes Reinsurance Insurance Report