保険監督者国際機構(IAIS)の保険基本原則(ICP)13（再保険、およびその他リスク移転）に関する損保協会意見
ICP

再保険プログラムは、再保険戦略の一環との認識に基づき、再保険 We suggest deleting "and programme" in the last sentence.

13.1.6

プログラムの策定に係る実務は上級管理職が決定、実行し、取締役 Based on the recognition that an insurer's reinsurance programme
会はその実施状況を監視するという、経営管理と監視が適切に行わ is part of its reinsurance strategy, we understand that it is necessaryれるガバナンス態勢の構築が必要と理解する。よって、取締役会・ for insurers to establish a governance system to ensure appropriate
上級管理職の役割分担や効率的な管理を実施する観点から、取締役 management and oversight, where Senior Management determines
会に個々の再保険プログラムの承認を求めることは非効率的であand puts into action practical matters regarding development of a

り、再保険戦略を遂行する目的にかなう再保険プログラムを上級管 reinsurance programme, and the Board oversees the理職に策定させたうえで、これも含めた当該上級管理職の職務の執 implementation of the programme. Therefore, from the perspectives
行に対するモニタリングを適切に行うことにより、効果的なガバナ of role-sharing between the Board and Senior Management as wellンスが実現すると考える。よって"The Board is responsible for

as efficient management, it is inefficient to require the Board toapproving the reinsurance strategy and programme."のうち"andapprove reinsurance programmes. Rather, insurers can achieveprogramme"を削除すべき。

efficient governance by having Senior Management develop areinsurance programme that serves the purpose of carrying out thereinsurance strategy, and by appropriately monitoring their Senior
Management's performance of the relevant duties.

ICP

13.1.6 と同様に、再保険プログラムの見直しに係る実務は上級管理 "The Board and Senior Management" in the first sentence should be

13.1.8

職が決定、実行し、取締役会はその実施状況および再保険戦略の目 revised to "The Board and/or Senior Management".
標に沿っているかの監視を行うといった、経営管理と監視の適切な As we explained in our comment on 13.1.6, governance can be体制構築が、より効果的なガバナンスに必要と考える。よって、取 achieved more effectively by having Senior Management determine
締役会・上級管理職の役割分担や効率的な管理を実施する観点から、 and implement practical matters regarding reviews of reinsurance
取締役会に個々の再保険プログラムの承認を求めることは非効率的 programmes, and by having the Board oversee the implementation
であり、"The Board and Senior Management of the ceding insurerof the review process as well as whether the reviews themselves

should regularly review the performance of its reinsurance

are in line with the aim of the reinsurance strategy. Therefore, fromprogramme."の主語を"The Board and/or Senior Management"に変the perspectives of role-sharing between the Board and Senior

1

保険監督者国際機構(IAIS)の保険基本原則(ICP)13（再保険、およびその他リスク移転）に関する損保協会意見
更すべき。

Management as well as efficient management, it is inefficient torequire the Board to approve reinsurance programmes.

ICP

feels との表現は恣意性を喚起させるため、"it feels"を"ampleBecause "feels" in the second sentence could be interpreted

13.1.9grounds exist"と修正すべき。

arbitrarily, we suggest revising "it feels" to "ample grounds exist".

ICP

出再者の再保険プログラムの評価要素はその事業目的や再保険戦略 We suggest adding "which need to be reviewed on a case-by-case

13.1.10により、様々であるべきであり、一律に決めるべきではない。よっ basis" to the first sentence (the current (2011) version contains thisて今回削除された"which need to be reviewed on a case-by-casephrase), or revising "including the" to "such as".

basis"の文言を復活させる、もしくは"including the" を"such as"にBecause different factors should be assessed as regards a ceding

修文するべき。

insurer’s reinsurance programme depending on its business goals
and reinsurance strategy, these factors should not be set in auniform manner.

ICP

グループ再保険戦略の構成要素はグループのガバナンス形態、グル We suggest revising "should require" in the first sentence to "may13.1.11

ープを構成する事業体等によって異なるため、全項目への完璧な対 require".
応を求めるべきではなく、例示とすべきである。よって" TheAs issues to be addressed in insurance groups' reinsurancegroup-wide supervisor of an insurance group should require that"とstrategies vary depending on their governance systems, groupあるが、" The group-wide supervisor of an insurance group may

entities, etc., this guidance should not require full implementation ofrequire, as necessary, that"とすべき。

the listed matters. Rather, these should be introduced only asexamples.

ICP

出再者の事業目的や再保険戦略により、代替的リスク移転を利用す We suggest adding "as necessary" to the end of the sentence.

13.1.12

るかどうかは異なるため、文末に"as necessary"を追記するなど、

As the use of alternative risk transfer depends on a ceding insurer's

代替リスク移転の手配が必要な場合に行うことを明示すべき。

business goals and reinsurance strategy, this guidance should
clarify that alternative risk transfer can be arranged whennecessary.

2

保険監督者国際機構(IAIS)の保険基本原則(ICP)13（再保険、およびその他リスク移転）に関する損保協会意見
ICP

任再保険手配は出再者の再保険戦略の一環との認識とともに、取締 We suggest revising "the Board" in the last sentence to "the Board

13.2.9

役会・上級管理職の役割分担や効率的な管理の実施の観点から、任 and/or Senior Management".
意再保険のプログラムに係るキャパシティの上限設定に取締役会の From the perspectives of the recognition that the purchase of
承認を求める運営は非効率的である。このため、手配に係る実務は facultative coverage is part of a ceding insurer's reinsurance
上級管理職が決定、実行し、取締役会はその実施状況を監視すると strategy and role-sharing between the Board and Senior
いう、経営管理と監視が適切に行われるガバナンス態勢の構築が必 Management as well as efficient management, it is inefficient to要と考える。よって"exceed maximum net capacity and/or risk limits require the Board's approval in order to set the maximum capacity
set by the Board"とあるが、"by the Board and/or Seniorregarding facultative reinsurance. Therefore, we understand that it isManagement"に変更すべき。

necessary for insurers to establish a governance system to ensure
appropriate management and oversight, where Senior Management
determines and puts into action practical issues regarding thepurchase, and the Board oversees the implementation.

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