2011年之后的泰国非寿险业发展与监管新政

The Development and New Regulation for Non-Life Insurance in Thailand after the Year of 2011

2011年夏,泰国遭遇50年来最严重的洪水灾害。巨大的洪灾给保险市场带来了灾难性的打击,尤其是对非寿险行业影响更明显。本文分析了2011年之后的泰国非寿险市场的发展情况:财务实力堪忧、竞争实力下降、两极分化明显等。为此,泰国保险监管部门出台了一系列监管措施,如实施风险资本制度、放宽国外投资限制,吸引新资本等。本文还分析了泰国再保险业的发展情况以及美国AMBest评级公司对泰国经济社会的风险评级。

The summer of 2011 saw the most serious floods in Thailand, which caused disastrous harm to Thailand＇ s insurance market, while the non -life insurance industry has been in by far the greater pressure. This paper discussed the an overAew of the non - life sector of Thailand insurance market and the difficulties they are in： the eroding financial position, decreasing competition and being more polarized. The regulatory depart ment of Thailand has made a serial of measurements to improve the the situation, e.g. to implement the risk based capital regime, relax foreign investment restrictions to attract new capital, etc. The paper also analysed conditions of Thailand＇ s reinsurance market and the risk outlook by A.M. Best.