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In most cases, defining the sustainability of insurance leads to different aspects of fulfilling insurance needs and contracts. Sophisticated risk-based regulations, like Solvency II [Directive 2009/138/EC of the European Parliament and of the Council of 25 November 2009 on the taking-up and pursuit of the business of Insurance and Reinsurance (SII)], or the U.S. equivalent, known as the “Insurance Financial Solvency Frame” (Lindberg & Seifert 2015; Zweifel & Eisen 2012, p. 335), provide numerous perspectives on insurance entities’ challenges with sustainability. As regulators and supervisors rightly put solvency into a sustainability framework (Van Hulle 2019, p. 10), the sustainability analysis of particular markets can be narrowed to ratios based on micro-prudential-like ratios: solvency capital requirements, compositions of own funds or investment assets quality.

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Sustainability of the EU Insurance Markets and Adequacy of Insurance Regulations: Solvency II and ESG

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  • 出版模式：

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  • 发表日期：

    2025年

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  • Marcin Kawiński

摘要

In most cases, defining the sustainability of insurance leads to different aspects of fulfilling insurance needs and contracts. Sophisticated risk-based regulations, like Solvency II [Directive 2009/138/EC of the European Parliament and of the Council of 25 November 2009 on the taking-up and pursuit of the business of Insurance and Reinsurance (SII)], or the U.S. equivalent, known as the “Insurance Financial Solvency Frame” (Lindberg & Seifert 2015; Zweifel & Eisen 2012, p. 335), provide numerous perspectives on insurance entities’ challenges with sustainability. As regulators and supervisors rightly put solvency into a sustainability framework (Van Hulle 2019, p. 10), the sustainability analysis of particular markets can be narrowed to ratios based on micro-prudential-like ratios: solvency capital requirements, compositions of own funds or investment assets quality.