{"id":3879,"date":"2020-07-28T08:22:32","date_gmt":"2020-07-28T00:22:32","guid":{"rendered":"https:\/\/insurance.vincent-chen.com\/tw\/?p=3879"},"modified":"2025-04-17T08:32:27","modified_gmt":"2025-04-17T00:32:27","slug":"%e6%8e%a8%e5%8b%95%e4%bf%9d%e9%9a%aa%e6%a5%ad%e6%96%b0%e4%b8%80%e4%bb%a3%e6%b8%85%e5%84%9f%e8%83%bd%e5%8a%9b%e5%88%b6%e5%ba%a6%e7%9b%b8%e9%97%9c%e6%99%82%e7%a8%8b","status":"publish","type":"post","link":"https:\/\/insurance.vincent-chen.com\/tw\/%e6%8e%a8%e5%8b%95%e4%bf%9d%e9%9a%aa%e6%a5%ad%e6%96%b0%e4%b8%80%e4%bb%a3%e6%b8%85%e5%84%9f%e8%83%bd%e5%8a%9b%e5%88%b6%e5%ba%a6%e7%9b%b8%e9%97%9c%e6%99%82%e7%a8%8b\/","title":{"rendered":"\u63a8\u52d5\u4fdd\u96aa\u696d\u65b0\u4e00\u4ee3\u6e05\u511f\u80fd\u529b\u5236\u5ea6\u76f8\u95dc\u6642\u7a0b"},"content":{"rendered":"<p>\u3010\u4fdd\u96aa\u5c40\uff0f\u65b0\u805e\u7a3f\u30112020-07-28<\/p>\n<p>\u91d1\u878d\u76e3\u7763\u7ba1\u7406\u59d4\u54e1\u6703\uff08\u4ee5\u4e0b\u7a31\u91d1\u7ba1\u6703\uff09\u8868\u793a\uff0c\u70ba\u80fd\u66f4\u5408\u7406\u53cd\u6620\u4fdd\u96aa\u696d\u7d93\u71df\u98a8\u96aa\u3001\u4fdd\u969c\u4fdd\u6236\u6b0a\u76ca\u53ca\u7dad\u6301\u91d1\u878d\u7a69\u5b9a\uff0c\u4e26\u63d0\u5347\u6211\u570b\u4fdd\u96aa\u696d\u570b\u969b\u7af6\u722d\u529b\uff0c\u91d1\u7ba1\u6703\u5df2\u65bc\u4eca(109)\u5e747\u67087\u65e5\u53ec\u958b\u300c\u4fdd\u96aa\u696d\u65b0\u4e00\u4ee3\u6e05\u511f\u80fd\u529b\u5236\u5ea6\u76f8\u95dc\u63a8\u52d5\u6642\u7a0b\u300d\u6703\u8b70\uff0c\u8207\u4fdd\u96aa\u696d\u8ca0\u8cac\u4eba\u53ca\u76f8\u95dc\u55ae\u4f4d\u6e9d\u901a\u8aaa\u660e\u653f\u7b56\u65b9\u5411\uff0c\u4e26\u5ee3\u6cdb\u4ea4\u63db\u610f\u898b\u3002<!--more--><\/p>\n<p>\u91d1\u7ba1\u6703\u8868\u793a\uff0c\u570b\u969b\u4fdd\u96aa\u76e3\u7406\u5b98\u5354\u6703(IAIS)\u5df2\u65bc108\u5e7411\u6708\u963f\u5e03\u9054\u6bd4\u5e74\u6703\u901a\u904e\u4fdd\u96aa\u8cc7\u672c\u6a19\u6e96(Insurance Capital Standard, ICS)2.0\u7248\uff0c\u4e26\u81ea\u4eca\u5e74\u8d77\u9032\u51655\u5e74\u76e3\u6e2c\u671f\uff0c\u65bc114\u5e74\u6b63\u5f0f\u5be6\u65bd\u3002\u9451\u65bc\u570b\u969b\u5236\u5ea6\u5c0d\u8cc7\u7522\u8207\u8ca0\u50b5\u4e4b\u8861\u91cf\u65b9\u5f0f\u5747\u63a1\u516c\u5141\u50f9\u503c\u8a55\u50f9\uff0c\u8003\u91cf\u672a\u4f86\u5be6\u65bd\u570b\u969b\u8ca1\u52d9\u5831\u5c0e\u6e96\u5247\u7b2c17 \u865f\u300c\u4fdd\u96aa\u5408\u7d04\u300d(\u4e0b\u7a31IFRS17)\u4ee5\u516c\u5141\u50f9\u503c\u8861\u91cf\u4fdd\u96aa\u8ca0\u50b5\uff0c\u6709\u52a9\u65bc\u516c\u53f8\u5168\u9762\u843d\u5be6\u8cc7\u7522\u8ca0\u50b5\u7ba1\u7406\u3001\u589e\u5f37\u8ca1\u52d9\u9ad4\u8cea\u4e26\u627f\u64d4\u5404\u7a2e\u98a8\u96aa\u4e4b\u80fd\u529b\uff0c\u7230\u53c3\u8003ICS\u767c\u5c55\u6211\u570b\u4fdd\u96aa\u696d\u65b0\u4e00\u4ee3\u6e05\u511f\u80fd\u529b\u5236\u5ea6\u3002<\/p>\n<p>\u9451\u65bc\u73fe\u884cRBC\u5236\u5ea6\u8207ICS\u898f\u5b9a\u65bc\u8a55\u50f9\u65b9\u6cd5\u3001\u81ea\u6709\u8cc7\u672c\u53ca\u98a8\u96aa\u8cc7\u672c\u7b49\u5dee\u7570\uff0c\u6211\u570b\u4fdd\u96aa\u696d\u65b0\u4e00\u4ee3\u6e05\u511f\u80fd\u529b\u5236\u5ea6\u5c07\u63a1\u5faa\u5e8f\u6f38\u9032\u5c0e\u5165\u4e4b\u4f5c\u6cd5\uff0c\u5305\u62ec\u6301\u7e8c\u4fee\u6b63\u4e26\u6aa2\u8a0e\u76f8\u95dc\u63aa\u65bd\u3001\u5728\u5730\u8a66\u7b97\u8207\u5e73\u884c\u6e2c\u8a66\u7b49\uff0c\u4ee5\u4f7f\u6211\u570b\u4fdd\u96aa\u696d\u9806\u5229\u63a5\u8ecc\u570b\u969b\u5236\u5ea6\u53ca\u66f4\u5408\u7406\u53cd\u6620\u7d93\u71df\u98a8\u96aa\u3002\u53e6\u8003\u91cf\u6211\u570b\u9810\u8a08\u5be6\u65bdIFRS17\u751f\u6548\u65e5\u70ba115\u5e74\uff0c\u70ba\u4f7f\u4fdd\u96aa\u696d\u8ca1\u52d9\u5831\u544a\u8207\u6e05\u511f\u80fd\u529b\u4e4b\u8861\u91cf\u5177\u4e00\u81f4\u6027\u57fa\u790e\uff0c\u65b0\u4e00\u4ee3\u6e05\u511f\u80fd\u529b\u5236\u5ea6\u5c07\u6bd4\u7167\u6211\u570bIFRS17\u751f\u6548\u65e5\uff0c\u65bc115\u5e74\u5be6\u65bd\uff0c\u60df\u4ecd\u5c07\u8996\u570b\u969b\u6700\u65b0\u767c\u5e03\u8a0a\u606f\u6efe\u52d5\u6aa2\u8a0e\u6642\u7a0b\uff0c\u4ffe\u4fdd\u96aa\u696d\u5168\u9762\u843d\u5be6\u8cc7\u7522\u8ca0\u50b5\u7ba1\u7406\uff0c\u4e26\u63d0\u5347\u5c0d\u98a8\u96aa\u7ba1\u7406\u4e4b\u91cd\u8996\u3002<\/p>\n<p>\u6709\u95dc\u65b0\u4e00\u4ee3\u6e05\u511f\u80fd\u529b\u5236\u5ea6\u63a8\u52d5\u6642\u7a0b\u4e4b\u4e09\u968e\u6bb5\u8a08\u756b\u5982\u4e0b\u8868\uff1a<\/p>\n<table>\n<tr>\n<td><\/td>\n<td>\u671f\u7a0b<\/td>\n<td>\u898f\u5283\u8fa6\u7406\u5167\u5bb9<\/td>\n<\/tr>\n<tr>\n<td>\u7b2c\u4e00\u968e\u6bb5<br \/>\u3010\u5728\u5730\u8a66\u7b97\u671f\u3011<\/td>\n<td>109\u5e74~110\u5e74<\/td>\n<td>\n(1)   \u5728\u5730\u8a66\u7b97\u8a55\u4f30\u885d\u64ca\u5f71\u97ff\u3010\u4fdd\u767c\u4e2d\u5fc3\u5354\u52a9\u696d\u8005\u9032\u884c\u5728\u5730\u8a66\u7b97\u3011<br \/>\n(2)   \u4fdd\u767c\u4e2d\u5fc3\u5b8c\u6210\u5404ICS\u7814\u7a76\u6848<br \/>\n(3)   \u7814\u8b70\u5728\u5730\u5316\u76e3\u7406\u898f\u7bc4\n<\/td>\n<\/tr>\n<tr>\n<td>\u7b2c\u4e8c\u968e\u6bb5<br \/>\u3010\u5e73\u884c\u6e2c\u8a66\u671f\u3011<\/td>\n<td>111\u5e74~113\u5e74<\/td>\n<td>\n(1)   \u4e09\u5e74\u5e73\u884c\u6e2c\u8a66\uff1a\u4fdd\u96aa\u516c\u53f8\u9664\u6642\u63d0\u4ea4\u76e3\u7406\u8981\u6c42\u4e4bRBC\u6bd4\u7387\u5916\uff0c\u5e73\u884c\u6e2c\u8a66\u671f\u4e00\u5e74\u63d0\u4f9b1\u6b21\u4ee5\u5e74\u5ea6\u8cc7\u6599\u70ba\u57fa\u790e\u4e4b\u65b0\u5236\u5ea6\u6bd4\u7387<br \/>\n(2)   \u904e\u6e21\u6027\u8a08\u756b\uff1a\u4f9d\u4e0d\u540c\u60c5\u5883\u8a66\u7b97\u7d50\u679c\uff0c\u8861\u914c\u6211\u570b\u4fdd\u96aa\u696d\u9577\u5e74\u671f\u4fdd\u55ae\u7279\u6027\uff0c\u4e26\u53c3\u8003\u6b50\u76df\u5be6\u65bdSolvency \u2161\u5c0e\u5165\u4e4b\u904e\u6e21\u6027\u63aa\u65bd(Transitional Measures)\u53caICS\u672a\u4f86\u767c\u5e03\u6709\u95dc\u904e\u6e21\u6027\u8a08\u756b\u4e4b\u5167\u5bb9\uff0c\u7814\u64ec\u6211\u570b\u904e\u6e21\u6027\u8a08\u756b<br \/>\n(3)   \u5728\u5730\u76e3\u7406\u898f\u7bc4\uff1a\u8a55\u4f30\u7b26\u5408\u6211\u570b\u4fdd\u96aa\u696d\u7d93\u71df\u7279\u6027\u53ca\u7522\u696d\u73fe\u6cc1\u4e4b\u5728\u5730\u5316\u76e3\u7406\u898f\u7bc4<br \/>\n(4)   \u76e3\u7406\u6cd5\u898f\u4fee\u6b63\n<\/td>\n<\/tr>\n<tr>\n<td>\u7b2c\u4e09\u968e\u6bb5<br \/>\u3010\u63a5\u8ecc\u6e96\u5099\u671f\u3011<\/td>\n<td>114\u5e74<\/td>\n<td>\u5be6\u65bd\u65b0\u5236\u5ea6\u524d\u4e4b\u6e96\u5099\u671f\u9593\uff0c\u63d0\u4f9b\u4fdd\u96aa\u516c\u53f8\u6aa2\u8996\u6240\u6709\u76f8\u95dc\u4f5c\u696d\u6642\u9593<\/td>\n<\/tr>\n<tr>\n<td>\u9810\u8a08\u5be6\u65bd<\/td>\n<td>115\u5e74\u8d77\u9069\u7528<\/td>\n<td>\u4ee5\u65b0\u5236\u5ea6\u6bd4\u7387\u4f5c\u70ba\u76e3\u7406\u8981\u6c42\u6307\u6a19<\/td>\n<\/tr>\n<\/table>\n<p>\u900f\u904e\u672c\u6b21\u7814\u5546\u6703\u8b70\uff0c\u9664\u8aaa\u660e\u91d1\u7ba1\u6703\u63a8\u52d5\u4fdd\u96aa\u696d\u65b0\u4e00\u4ee3\u6e05\u511f\u80fd\u529b\u5236\u5ea6\u4e4b\u76f8\u95dc\u6642\u7a0b\uff0c\u4e26\u807d\u53d6\u4fdd\u96aa\u696d\u8005\u8a31\u591a\u5bf6\u8cb4\u610f\u898b\uff0c\u5df2\u9054\u5230\u96d9\u5411\u6e9d\u901a\u4ea4\u6d41\u4e4b\u76ee\u7684\u3002\u91d1\u7ba1\u6703\u9032\u4e00\u6b65\u8868\u793a\uff0c\u70ba\u9806\u5229\u63a8\u52d5\u4fdd\u96aa\u696d\u65b0\u4e00\u4ee3\u6e05\u511f\u80fd\u529b\u5236\u5ea6\uff0c\u5354\u52a9\u4fdd\u96aa\u5e02\u5834\u5065\u5168\u767c\u5c55\uff0c\u6709\u8cf4\u4e3b\u7ba1\u6a5f\u95dc\u3001\u4fdd\u96aa\u696d\u8005\u53ca\u76f8\u95dc\u55ae\u4f4d\u5171\u540c\u52aa\u529b\uff0c\u91d1\u7ba1\u6703\u5c07\u4ee5\u5408\u7406\u53cd\u6620\u4fdd\u96aa\u696d\u7d93\u71df\u98a8\u96aa\u3001\u4fdd\u969c\u4fdd\u6236\u6b0a\u76ca\u53ca\u7dad\u6301\u91d1\u878d\u7a69\u5b9a\uff0c\u4e26\u63d0\u5347\u6211\u570b\u4fdd\u96aa\u696d\u570b\u969b\u7af6\u722d\u529b\u4e0b\uff0c\u5faa\u5e8f\u6f38\u9032\u63a8\u52d5\u65b0\u5236\u5ea6\uff0c\u671f\u52c9\u4fdd\u96aa\u516c\u53f8\u5c31\u81ea\u8eab\u7d93\u71df\u4e4b\u5f71\u97ff\u53ca\u65e9\u8abf\u6574\u8ca1\u52d9\u696d\u52d9\u7d50\u69cb\uff0c\u4e26\u5118\u65e9\u6295\u5165\u4eba\u529b\u7269\u529b\u7b49\u8cc7\u6e90\u56e0\u61c9\uff0c\u63d0\u5347\u516c\u53f8\u8ca1\u52d9\u5065\u5168\u5ea6\uff0c\u4ee5\u5229\u7a69\u5065\u63a5\u8ecc\u570b\u969b\u5236\u5ea6\u3002<\/p>\n<p>\u6aa2\u9644\u300c\u73fe\u884cRBC\u5236\u5ea6\u8207ICS\u898f\u5b9a\u4e3b\u8981\u5dee\u7570\u300d\u53ca\u300c\u61f6\u4eba\u5305\u300d\u8aaa\u660e\u3002<\/p>\n<p><img decoding=\"async\" src=\"\/images\/icon\/pdf.gif\" border=\"0\"> <a href=\"\/file\/twics\/20200728_IB_ICS.pdf\" target=_blank>\u9644\u4ef61-\u73fe\u884cRBC\u5236\u5ea6\u8207ICS\u898f\u5b9a\u4e3b\u8981\u5dee\u7570<\/a><br \/>\n<img decoding=\"async\" src=\"\/images\/icon\/pdf.gif\" border=\"0\"> <a href=\"\/file\/twics\/20200728_IB_ICS_2.pdf\" target=_blank>\u9644\u4ef62-\u61f6\u4eba\u5305<\/a><\/p>\n<p>\u806f\u7d61\u55ae\u4f4d\uff1a\u4fdd\u96aa\u5c40\u8ca1\u52d9\u76e3\u7406\u7d44<br \/>\n\u806f\u7d61\u96fb\u8a71\uff1a(02)8968-0746<br \/>\n\u5982\u6709\u4efb\u4f55\u7591\u554f\uff0c\u8acb\u4f86\u4fe1\uff1a\u672c\u6703\u6c11\u610f\u4fe1\u7bb1<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u3010\u4fdd\u96aa\u5c40\uff0f\u65b0\u805e\u7a3f\u30112020-07-28 \u91d1\u878d\u76e3\u7763\u7ba1\u7406\u59d4\u54e1\u6703\uff08\u4ee5\u4e0b\u7a31\u91d1\u7ba1\u6703\uff09\u8868\u793a\uff0c\u70ba\u80fd\u66f4\u5408\u7406\u53cd\u6620\u4fdd\u96aa\u696d\u7d93\u71df\u98a8\u96aa\u3001&hellip;&nbsp;<a href=\"https:\/\/insurance.vincent-chen.com\/tw\/%e6%8e%a8%e5%8b%95%e4%bf%9d%e9%9a%aa%e6%a5%ad%e6%96%b0%e4%b8%80%e4%bb%a3%e6%b8%85%e5%84%9f%e8%83%bd%e5%8a%9b%e5%88%b6%e5%ba%a6%e7%9b%b8%e9%97%9c%e6%99%82%e7%a8%8b\/\" class=\"\" rel=\"bookmark\">Read More &raquo;<span 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