Solvency II at the Gates: Benefits and Risks of the New Insurance Regulation

Publication: Policy Letter No. 48
Topic Area: Financial Intermediation
Authors: Helmut Gründl
Date: Nov 2015
Keywords: Insurance, Regulation

Investors and insurance policyholders are often confronted with complex products and providers' opaque organisational structures. At the same time, the possibility that their claims will not be honoured often poses an existential risk. Financial regulation therefore aims at putting in place a financial services framework that will safeguard market processes whilst also protecting consumers. However, benefits of regulation are accompanied by certain risks, as can be exemplified with the case of insurance regulation.

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