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거버넌스, 리스크, 컴플라이언스 : 브라질의 보험업

Governance, Risk and Compliance - The Brazilian Insurance Industry

리서치사 GlobalData
발행일 2020년 01월 상품 코드 335275
페이지 정보 영문 115 Pages
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거버넌스, 리스크, 컴플라이언스 : 브라질의 보험업 Governance, Risk and Compliance - The Brazilian Insurance Industry
발행일 : 2020년 01월 페이지 정보 : 영문 115 Pages

브라질 보험 산업의 거버넌스, 리스크, 컴플라이언스 관련 규제 프레임워크에 대해 분석했으며, 보험 종류별(생명보험, 재산보험, 자동차보험, 손해배상보험, 개인상해보험 및 건강보험, 해상보험, 항공보험, 운송보험) 규제 현황, 보험 기업 및 재보험 기업, 중개인의 경영 상황에 대한 법령 및 규제 등의 정보를 정리하여 전해드립니다.

제1장 서론

  • 본 보고서의 개요
  • 정의

제2장 거버넌스, 리스크, 컴플라이언스

  • 법령 개요와 지금까지 추이
  • 최근의 규제 개정
  • 법령과 시장 관행 : 보험 종류별
    • 생명보험
    • 재산보험
    • 자동차보험
    • 손해배상보험
    • 해상보험, 항공보험, 운송보험
    • 개인상해보험 및 건강보험
  • 강제보험
    • 제3자 자동차 책임보험(DPVAT)
    • 선박·화물에 의한 개인상해보험(DPEM)
    • 사회보장보험
    • 국내 신용장 보험
  • 감독·관리기관
    • 국제보험감독기관협회(International Association of Insurance Supervisors)
    • 라틴아메리카 보험감독자협회(Association of Insurance Supervisors Latin America)
    • 브라질 보험협회(National Private Insurance Council)
    • 보험 감독청(SUSEP)
    • 브라질 보험연맹(CNseg)
    • 브라질 일반보험협회(FenSeg)
    • 브라질 연금보험협회(FenaPrevi)
    • 브라질 보충보험협회(FenaSaude)
    • 브라질 자본보험협회(FenaCap)
  • 미인가 보험에 대한 규제
    • 개요
    • 중개인
    • 시장 관행
    • 벌금과 처벌
  • 기업 규제와 경영
    • 보험 단체의 종류
    • 현지 기업 설립
    • 외국인 투자
    • 라이선스 종류
    • 자본금 요건
    • 지급 준비금
    • 지불 준비금 요건
    • 투자 규제
    • 법정 보고서 요건
    • 보험료의 구조
  • 과세
    • 보험료에 대한 과세
    • 해외에서 지불된 보험료에 대한 원천 과세
    • 법인세
    • 부가가치세(VAT)
    • 자가보험(Captive Insurance)
  • 법 체계
    • 서론
    • 재판에 대한 접근
    • 재판외 분쟁해결(ADR)

제3장 부록

도표

LSH 15.08.07

이 페이지에 게재되어 있는 내용은 최신판과 약간 차이가 있을 수 있으므로 영문목차를 함께 참조하여 주시기 바랍니다. 기타 자세한 사항은 문의 바랍니다.

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

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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