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

Policy Letter No. 48

Authors:
Helmut Gründl
Research Area:
Financial Intermediation
Date:
Nov 2015
Keywords:
Insurance, Regulation
Abstract:

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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