{"id":2888,"date":"2023-07-25T20:10:16","date_gmt":"2023-07-25T12:10:16","guid":{"rendered":"https:\/\/insurance.vincent-chen.com\/tw\/?p=2888"},"modified":"2023-08-01T15:11:36","modified_gmt":"2023-08-01T07:11:36","slug":"%e9%87%91%e7%ae%a1%e6%9c%83%e6%8e%a8%e5%8f%b0%e7%89%88ics-%e5%a3%bd%e9%9a%aa%e5%85%88%e4%b8%8d%e5%bf%85%e5%a4%a7%e8%b3%a3%e8%82%a1%e7%a5%a8%e4%ba%86-%e9%81%8e%e6%b8%a1%e6%9c%9f%e5%bb%b6%e9%95%b7","status":"publish","type":"post","link":"https:\/\/insurance.vincent-chen.com\/tw\/%e9%87%91%e7%ae%a1%e6%9c%83%e6%8e%a8%e5%8f%b0%e7%89%88ics-%e5%a3%bd%e9%9a%aa%e5%85%88%e4%b8%8d%e5%bf%85%e5%a4%a7%e8%b3%a3%e8%82%a1%e7%a5%a8%e4%ba%86-%e9%81%8e%e6%b8%a1%e6%9c%9f%e5%bb%b6%e9%95%b7\/","title":{"rendered":"\u91d1\u7ba1\u6703\u63a8\u53f0\u7248ICS \u58fd\u96aa\u5148\u4e0d\u5fc5\u5927\u8ce3\u80a1\u7968\u4e86 \u904e\u6e21\u671f\u5ef6\u9577\u7d6615\u5e74"},"content":{"rendered":"

\u3010\u9245\u4ea8\u7db2\uff0f\u8a18\u8005\u9673\u8559\u7dbe\uff0f\u53f0\u5317\u30112023-07-25<\/p>\n

\u4fdd\u96aa\u696d\u5c07\u65bc 2026 \u5e74\u63a5\u8ecc\u570b\u969b\u4fdd\u96aa\u8cc7\u672c\u6a19\u6e96 (ICS)\uff0c\u5e02\u5834\u64d4\u6182\u58fd\u96aa\u696d\u589e\u8cc7\u58d3\u529b\u5927\u589e\uff0c\u82e5\u80a1\u6771\u7121\u529b\u589e\u8cc7\uff0c\u58fd\u96aa\u696d\u6050\u6015\u8981\u5927\u8209\u780d\u51fa\u80a1\u7968\u6216\u4e0d\u52d5\u7522\u6295\u8cc7\u90e8\u4f4d\uff0c\u8cc7\u672c\u9069\u8db3\u7387\u624d\u80fd\u9054\u6a19\uff0c\u91d1\u7ba1\u6703\u70ba\u7dad\u6301\u91d1\u878d\u5e02\u5834\u7a69\u5b9a\uff0c\u4eca (25) \u65e5\u516c\u5e03\u300c\u53f0\u7248 ICS\u300d\uff0c\u62cd\u677f\u7de9\u885d\u671f\u6bd4\u539f\u5148\u9810\u4f30\u66f4\u5bec\u5bb9\uff0c\u5f9e 10 \u5e74\u5ef6\u9577\u5230 15 \u5e74\u3002<\/p>\n

\u58fd\u96aa\u696d\u8005\u8868\u793a\uff0c\u5e02\u5834\u4e00\u822c\u591a\u4ee5\u70ba IFRS 17 \u662f\u5927\u9b54\u738b\uff0c\u4f46\u5176\u5be6 ICS 2.0 \u624d\u662f\u771f\u6b63\u7684\u300c\u4f5b\u5730\u9b54\u300d\uff0c\u73fe\u884c\u58fd\u96aa\u696d\u8cc7\u672c\u9069\u8db3\u7387 (RBC) \u7684\u53f0\u80a1\u98a8\u96aa\u4fc2\u6578\u7d04 22%\uff0c\u5373\u6295\u8cc7 100 \u5104\u5143\u53f0\u80a1\uff0c\u8cc7\u672c\u8981\u6c42\u5927\u7d04\u5c31\u662f 22 \u5104\u5143\uff0c\u4f46\u5728 ICS 2.0 \u4e0b\u9762\uff0c\u4fc2\u6578\u7d04\u70ba 48%\uff0c\u5373\u8cb7 100 \u5104\u5143\u53f0\u80a1\u90e8\u4f4d\uff0c\u7d04\u8981\u62ff\u51fa 48 \u5104\u5143\u8cc7\u672c\uff0c\u80a1\u6771\u589e\u8cc7\u58d3\u529b\u5927\u589e\u3002\u82e5\u80a1\u6771\u4e0d\u589e\u8cc7\uff0c\u4ee5\u76ee\u524d\u58fd\u96aa\u696d\u6295\u8cc7\u80a1\u7968\u90e8\u4f4d 2 \u5146\u591a\u5143\uff0c\u521d\u4f30\u58fd\u96aa\u696d\u81f3\u5c11\u8981\u780d\u6389 1 \u5146\u5143\uff0c\u8cc7\u672c\u9069\u8db3\u7387\u624d\u80fd\u9054\u6a19\u3002<\/p>\n

\u4fdd\u96aa\u5c40\u526f\u5c40\u9577\u8521\u706b\u708e\u4eca\u5929\u8868\u793a\uff0c\u5236\u5ea6\u7684\u8f49\u63db\u5e36\u4f86\u6311\u6230\uff0c\u70ba\u7dad\u6301\u91d1\u878d\u5e02\u5834\u7a69\u5b9a\uff0c\u4e26\u5145\u5206\u8003\u91cf\u696d\u8005\u7684\u52aa\u529b\u53ca\u8ca0\u64d4\u80fd\u529b\uff0c\u5728\u7b26\u5408 ICS \u67b6\u69cb\u4e0b\uff0c\u7d93\u53c3\u8003\u570b\u969b\u7d93\u9a57\uff0c\u4e14\u8207\u4fdd\u96aa\u696d\u8005\u5145\u5206\u6e9d\u901a\u5f8c\uff0c\u5236\u5b9a\u9069\u5408\u6211\u570b\u570b\u60c5\u7684\u63a5\u8ecc TW-ICS \u6709\u95dc\u5e02\u5834\u98a8\u96aa – \u80a1\u7968\u3001\u4e0d\u52d5\u7522\u3001\u516c\u5171\u5efa\u8a2d\u4e4b\u5728\u5730\u5316\u53ca\u904e\u6e21\u6027\u63aa\u65bd\uff0c\u6c7a\u5b9a\u63a1\u7528 15 \u5e74\u904e\u6e21\u671f\u7248\u672c\uff0c\u4ee5\u5354\u52a9\u696d\u8005\u5faa\u5e8f\u6f38\u9032\u9806\u5229\u9069\u7528\u570b\u969b\u5236\u5ea6\u3002<\/p>\n

\u53f0\u7248\u5728\u5730\u5316\u7684\u98a8\u96aa\u6027\u8cc7\u672c\u8a08\u63d0\u63aa\u65bd\u5206\u70ba\u4e09\u5927\u90e8\u4efd\uff0c\u4e00\u662f\u4e0a\u5e02\u4e0a\u6ac3\u80a1\u7968\u6295\u8cc7\u3001\u4e8c\u662f\u4e0d\u52d5\u7522\uff0c\u4e09\u662f\u653f\u7b56\u6027\u516c\u5efa\u65b9\u9762\u3002<\/p>\n

(\u4e00) \u4e0a\u5e02\u4e0a\u6ac3\u80a1\u7968\u6295\u8cc7\uff1a<\/p>\n

ICS \u65bc\u8a08\u7b97\u80a1\u7968\u4e4b\u98a8\u96aa\u8cc7\u672c\u6642\uff0c\u4fc2\u5c07\u6211\u570b\u5217\u70ba\u958b\u767c\u4e2d\u570b\u5bb6\u800c\u9069\u7528\u98a8\u96aa\u4fc2\u6578 48%\uff0c\u60df\u4f9d\u570b\u969b\u8ca8\u5e63\u57fa\u91d1 (IMF) \u65bc 112 \u5e74 7 \u6708 21 \u65e5\u51fa\u7248\u4e4b\u300c\u4e16\u754c\u7d93\u6fdf\u5c55\u671b (112 \u5e74 4 \u6708\u7248)\u300d\uff0c\u6211\u570b\u8207\u7f8e\u570b\u3001\u82f1\u570b\u3001\u5fb7\u570b\u3001\u65e5\u672c\u3001\u5357\u97d3\u7b49\u570b\u5bb6\u4e26\u5217\u70ba\u300c\u5148\u9032\u7d93\u6fdf\u9ad4\u300d(Advanced Economies)\uff0c\u4e14\u7d93\u8a66\u7b97\u6211\u570b\u80a1\u7968\u5e02\u5834\u4e4b\u6b77\u53f2\u6ce2\u52d5\u5ea6\u8da8\u8fd1\u65bc ICS \u4e2d\u5df2\u958b\u767c\u570b\u5bb6\u4e4b\u98a8\u96aa\u4fc2\u6578 35%\uff0c\u53c8\u6211\u570b\u4e0a\u5e02\u6ac3\u516c\u53f8\u57fa\u672c\u9762\u826f\u597d\u4e14\u7a4d\u6975\u63a8\u52d5\u516c\u53f8\u6cbb\u7406\u53ca\u6c38\u7e8c\u767c\u5c55\uff0c\u5c0d\u5916\u8cc7\u5177\u6709\u5438\u5f15\u529b\uff0c\u7230\u5c07\u570b\u5167\u4e0a\u5e02\u4e0a\u6ac3\u80a1\u7968\u65bc TW-ICS \u4e4b\u98a8\u96aa\u4fc2\u6578\u8abf\u6574\u70ba\u8207\u5df2\u958b\u767c\u570b\u5bb6\u76f8\u540c\u4e4b 35%\u3002<\/p>\n

(\u4e8c) \u4e0d\u52d5\u7522\u6295\u8cc7\uff1a<\/p>\n

ICS \u65bc\u8a08\u7b97\u5546\u696d\u4e0d\u52d5\u7522\u3001\u4f4f\u5b85\u4e0d\u52d5\u7522\u3001\u81ea\u7528\u4e0d\u52d5\u7522\u4e4b\u98a8\u96aa\u8cc7\u672c\u9069\u7528\u4e4b\u98a8\u96aa\u4fc2\u6578\u70ba 25%\uff0c\u7d93\u8a66\u7b97\u6211\u570b\u4e0d\u52d5\u7522\u5e02\u5834\u4e4b\u6b77\u53f2\u6ce2\u52d5\u5ea6\u5f8c\uff0c\u5c07\u4e0d\u52d5\u7522\u6295\u8cc7\u65bc TW-ICS \u4e4b\u98a8\u96aa\u4fc2\u6578\u8abf\u6574\u70ba 15%\u3002<\/p>\n

(\u4e09) \u653f\u7b56\u6027\u516c\u5171\u5efa\u8a2d\u6295\u8cc7\uff1a\u4f9d IAIS \u65bc 112 \u5e74 6 \u6708 23 \u65e5\u516c\u5e03\u4e4b ICS \u8aee\u8a62\u6587\u4ef6\uff0c\u6709\u95dc\u653f\u7b56\u6027\u516c\u5171\u5efa\u8a2d\u6295\u8cc7\u4e4b\u98a8\u96aa\u8cc7\u672c\u8a08\u63d0\u53ca\u98a8\u96aa\u4fc2\u6578\u6a19\u6e96\u4ecd\u5c1a\u5728\u5c0d\u5916\u5fb5\u8a62\u610f\u898b\u4e2d\uff0c\u91d1\u7ba1\u6703\u5f8c\u7e8c\u4ea6\u5c07\u53c3\u914c\u570b\u969b\u6a19\u6e96\uff0c\u4e26\u7d9c\u6574\u8003\u91cf\u9f13\u52f5\u5f15\u5c0e\u4fdd\u96aa\u696d\u8cc7\u91d1\u6295\u5165\u570b\u5167\u516c\u5171\u5efa\u8a2d\u4e4b\u653f\u7b56\u65b9\u5411\u3001\u516c\u5171\u5efa\u8a2d\u6295\u8cc7\u6848\u4e4b\u5be6\u969b\u98a8\u96aa\u7b49\uff0c\u8207\u7522\u3001\u58fd\u96aa\u516c\u6703\u53ca\u696d\u8005\u9032\u884c\u8a0e\u8ad6\u5f8c\uff0c\u5236\u5b9a\u7b26\u5408\u6211\u570b\u570b\u60c5\u4e4b\u5728\u5730\u5316\u98a8\u96aa\u4fc2\u6578\u3002<\/p>\n

\u81f3\u65bc\u904e\u6e21\u6027\u63aa\u65bd\u90e8\u5206\uff0c\u8521\u706b\u708e\u8868\u793a\uff0c\u5c07\u7d66\u4e88 15 \u5e74\u904e\u6e21\u5e74\u9650\u3002\u8003\u91cf\u91d1\u878d\u7a69\u5b9a\u53ca\u63a5\u8ecc TW-ICS \u5c0d\u696d\u8005\u4e4b\u5f71\u97ff\uff0c\u5c31\u73fe\u884c RBC \u5236\u5ea6\u53ca TW-ICS \u5236\u5ea6\u65bc\u570b\u5167\u4e0a\u5e02\u4e0a\u6ac3\u80a1\u7968\u3001\u4e0d\u52d5\u7522\u53ca\u653f\u7b56\u6027\u516c\u5171\u5efa\u8a2d\u4e4b\u98a8\u96aa\u4fc2\u6578\u5dee\u7570\uff0c\u5176\u4e2d\u570b\u5167\u4e0a\u5e02\u4e0a\u6ac3\u80a1\u7968\u53ca\u4e0d\u52d5\u7522\u5c07\u63a1\u5e73\u5747\u905e\u589e\u65b9\u5f0f\u63a5\u8ecc\u5728\u5730\u5316\u4fc2\u6578\uff0c\u898f\u5283\u81ea 115 \u5e74\u8d77\u63d0\u4f9b 15 \u5e74\u904e\u6e21\u5e74\u9650\u4e88\u696d\u8005\u9032\u884c\u8cc7\u7522\u914d\u7f6e\u8abf\u6574\uff1b\u653f\u7b56\u6027\u516c\u5171\u5efa\u8a2d\u90e8\u5206\u65bc\u524d 5 \u5e74 (115 \u5e74\u81f3 119 \u5e74) \u5c07\u7dad\u6301\u73fe\u884c RBC \u5236\u5ea6\u4e4b 1.28%\uff0c\u5f8c 10 \u5e74\u5247\u540c\u6a23\u63a1\u5e73\u5747\u905e\u589e\u65b9\u5f0f\uff0c\u4ee5\u9010\u6b65\u7b26\u5408 TW-ICS \u98a8\u96aa\u8cc7\u672c\u8a08\u63d0\u6a19\u6e96\u3002<\/p>\n

\u8521\u706b\u708e\u5f37\u8abf\uff0c\u91d1\u7ba1\u6703\u9664\u81ea 2026 \u5e74\u8d77\uff0c\u6bcf 5 \u5e74\u4f9d\u696d\u8005\u5be6\u969b\u57f7\u884c\u60c5\u5f62\u9032\u884c\u5236\u5ea6\u6aa2\u8a0e\u5916\uff0c\u4ea6\u5c07\u6301\u7e8c\u95dc\u6ce8 ICS \u7684\u767c\u5c55\u53ca\u6574\u9ad4\u91d1\u878d\u60c5\u52e2\u8b8a\u5316\uff0c\u9069\u6642\u8abf\u6574\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"

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