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[Economic value-based calculation of insurance liabilities] 例文帳に追加

〔経済価値ベースの保険負債評価について〕 - 金融庁

While bearing that in mind, we show the comparison between the amount of insurance liabilities estimated as a result of the field tests and the amount of insurance liabilities calculated based on the current regulatory requirements in Figures 1 and 2 (Figure 1 represents insurance liabilities for all life insurance companies and Figure 2 represents those for all non-life insurance companies). 例文帳に追加

以上に留意した上で、今回のフィールドテストにおける保険負債等の計算結果について、現行の保険負債と比較したのが図１及び図２である（生保計：図１、損保計：図２） - 金融庁

(3) Method of calculating insurance liabilities, etc. in the field test 例文帳に追加

③ 今回のフィールドテストにおける保険負債等の計算方法 - 金融庁

The results of the tests show the tendency that the amount of insurance liabilities generally decline for both life and non-life insurance companies. 例文帳に追加

計算結果としては、生損保とも、現行に比べて概ね減少する傾向が見られた。 - 金融庁

Many companies regard the economic value-based calculation of insurance liabilities as meaningful. 例文帳に追加

「経済価値ベースの保険負債評価」については、多くの社が意義のあるものと考えている。 - 金融庁

A small minority of companies provided comments expressing cautiousness about the economic value-based calculation of insurance liabilities, such a 例文帳に追加

「経済価値ベースの保険負債評価」に対して慎重な意見としては、少数ではあるものの - 金融庁

Regarding requirements for financial soundness based on the economic value-based calculation of insurance liabilities, the following comments were provided 例文帳に追加

「経済価値ベースの保険負債評価」に基づく健全性基準については、 - 金融庁

Regarding the development of institutions' internal systems for the economic value-based calculation of insurance liabilities, many companies recognized the following challenges: 例文帳に追加

経済価値ベースの保険負債評価のための「体制整備」については - 金融庁

In the field tests, many companies recognized the importance of the economic value-based calculation of insurance liabilities. 例文帳に追加

今回のフィールドテストにおいても、多くの社が重要であるとの認識であった。 - 金融庁

Regarding the economic value-based calculation of insurance liabilities, the FSA has been explaining the significance of comprehensive management of assets and liabilities, and encouraging the calculation of assets and liabilities on an economic-value basis and risk management based on such calculation 例文帳に追加

経済価値ベースの保険負債評価等については、これまで、「保険会社向けの総合的な監督指針」において、資産負債の総合的な管理の意義、並びに経済価値に基づく評価・管理を促してきたが - 金融庁

Insurance companies were requested to calculate the amount of insurance liabilities based on economic value and to consistently measure interest-rate risks on both asset and liability sides on a trial basis 例文帳に追加

保険会社に対し、経済価値ベースの保険負債や資産負債の一体的な金利リスクの計算等を試行的に実施することを要請 - 金融庁

A small number of life insurance companies opposed the assumption of the illiquidity premium on the ground that it would cause underestimation of insurance liabilities and make it difficult to consistently manage interest-rate risk related to both assets and liabilities for the companies which make risk-free investments. 例文帳に追加

なお、生保でも、少数ではあるものの、リスクフリー運用を行う会社では、保険負債が過小評価されるとともに、資産負債一体的な金利リスクの管理を難しくすることを理由に否定的な意見もあった - 金融庁

The economic value-based calculation of insurance liabilities contributes to the improvement of ALM (Asset and Liability Management) and the enhancement of risk management, as it enables insurance companies to consistently manage assets and liabilities on an economic value basis. 例文帳に追加

経済価値ベースの保険負債評価については、資産負債を一体的に経済価値ベースで管理できることから、ＡＬＭの促進やリスク管理の高度化に資するものであり - 金融庁

Article 3 (1) The government may enter into a reinsurance contract with insurance companies, etc. that accept insurance liabilities assumed by other insurance companies, etc. under earthquake insurance contracts. 例文帳に追加

第三条　政府は、地震保険契約によつて保険会社等が負う保険責任を再保険する保険会社等を相手方として、再保険契約を締結することができる。 - 日本法令外国語訳データベースシステム

In light of the circumstances described in (1), Japan conducted the field tests, in which insurance companies calculated the economic value of insurance liabilities and other items on a trial basis, in order to comprehend how prepared individual insurance companies are for the introduction of the new solvency regime 例文帳に追加

①の状況を踏まえ、我が国においても、各保険会社において、試行的に、経済価値ベースの保険負債等を計算するフィールドテストを実施することにより、各保険会社の対応状況を把握するとともに、 - 金融庁

As the economic value-based calculation of insurance liabilities relies on estimates more than the existing process of calculating liabilities, a careful examination is necessary for the establishment of the calculation method. 例文帳に追加

経済価値ベースの保険負債評価については、現行の負債計算の過程に比べて見積もりの要素が多いことから、計算手法の確立について慎重に検討する必要がある - 金融庁

2 The risk margin, which is a component element of insurance liabilities, refers to a margin to cover cash-flow uncertainty. 例文帳に追加

2 リスクマージンとは、保険負債を構成する一要素であり、キャッシュフローの不確実性をカバーするためのマージンのこ - 金融庁

The following are major challenges that were recognized with regard to internal models used in risk management based on the economic value-based calculation of insurance liabilities: 例文帳に追加

経済価値ベースの保険負債評価に基づくリスク管理における「内部モデル」についての主な課題認識としては - 金融庁

To improve the accuracy of the risk measurement of new products because the economic value-based calculation of insurance liabilities could make it possible to set premium rates that are commensurate with the risk and are more competitive. 例文帳に追加

リスクに見合ったより競争的な商品料率設定が可能となることから、新商品のリスク測定の精度の向上の必要性 - 金融庁

From this viewpoint, it was requested in the field tests that insurance liabilities be also calculated based on the discount rate adjusted for the illiquidity premium 例文帳に追加

との観点から、今回のフィールドテストでは、割引率に非流動性プレミアム7を加味した場合の保険負債も計算することとした - 金融庁

Although it was requested in the field tests that the costs of guarantees and options be included in the calculation of insurance liabilities, some companies were unable to do so. 例文帳に追加

今回のフィールドテストでは、保証とオプションのコストを保険負債の計算に含めることとしたが、計算に着手できなかった社もあった - 金融庁

Internationally, a debate on a framework predicated on the introduction of the economic value-based calculation of insurance liabilities has been proceeding 例文帳に追加

国際的にも、経済価値ベースの保険負債評価を前提とした枠組みに関する議論が進展しているところである - 金融庁

Article 9-2 The Prime Minister shall, when he/she intends to impose any of the dispositions listed in the items of paragraph (1) of Article 311-2 against any insurance company that accepts insurance liabilities assumed by another insurance company, etc. under earthquake insurance contracts, consult thereon with the Minister of Finance in advance. 例文帳に追加

第九条の二　内閣総理大臣は、地震保険契約によつて保険会社等が負う保険責任を再保険する保険会社に対し、保険業法第三百十一条の二第一項各号に掲げる処分をしようとするときは、あらかじめ、財務大臣に協議しなければならない。 - 日本法令外国語訳データベースシステム

Article 1 The purpose of this Act is to promote the dissemination of earthquake insurance by having the governments reinsure the earthquake liabilities of insurance companies, etc. thereby helping to contribute to the stability of the lives of disaster victims of an earthquake, etc. 例文帳に追加

第一条　この法律は、保険会社等が負う地震保険責任を政府が再保険することにより、地震保険の普及を図り、もつて地震等による被災者の生活の安定に寄与することを目的とする。 - 日本法令外国語訳データベースシステム

The economic value-based insurance liabilities as defined in the field tests comprise the present value of cash flow for all insurance policies in force as of the base date, as well as reserves for outstanding claims and risk margins.2 例文帳に追加

計算基準日における全保有契約に関する「キャッシュフローの現在価値」に「支払備金」1及び「リスクマージン」2を加えたものとした - 金融庁

The following are the circumstances of insurance companies when they calculated economic value-based insurance liabilities and other items on a trial basis, and the challenges identified in practice in the calculation process 例文帳に追加

今回のフィールドテストにおいて、経済価値ベースの保険負債等の計算を試行的に実施した際における各社の状況や、計算過程で抽出された実務上の問題点等については、以下のとおりであった - 金融庁

As a result, it was recognized that interest in the economic value-based calculation of insurance liabilities is strong among insurance companies and that they are making progress in incorporating practical processes for the calculation. 例文帳に追加

各社における経済価値ベースの保険負債評価等に対する関心の高さ、ならびに実務的な定着に向けた態勢が整いつつあることが確認された。 - 金融庁

The introduction of the solvency regime predicated on the economic value-based calculation of insurance liabilities requires corresponding revisions of the business management and risk management methods that have until now been used by insurance companies 例文帳に追加

経済価値ベースの保険負債評価を前提としたソルベンシー規制の導入においては、これまでの保険会社における経営管理手法やリスク管理手法に相応の見直しをも伴うものである - 金融庁

An observation of the circumstances surrounding insurance companies shows that various changes are taking place, as exemplified by the diversification and sophistication of customers’ needs, the diversification of insurance solicitation styles, the progress in conglomeration and international trends in the solvency rating and the evaluation of insurance liabilities. 例文帳に追加

保険会社等を巡る状況をみると、利用者ニーズの多様化・高度化、保険募集形態の多様化、コングロマリット化の進展、ソルベンシー評価及び保険負債評価を巡る国際的な動向など様々な変化が生じている。 - 金融庁

The economic value-based calculation of insurance liabilities is important from the perspective of ensuring the effectiveness of risk management since it enables insurance companies to identify their own risks in a timely and appropriate manner and the measurement of risks provides information useful for management 例文帳に追加

経済価値ベースの保険負債評価は、適時適切に保険会社のリスクを捕捉できるものであり、その計測結果は、経営に重要な情報を提供するものであることから、リスク管理の実効性の観点で重要であると認識している - 金融庁

With respect to economic value-based solvency assessment (i.e., evaluation method for insurance liabilities and interest rate risks based on the methods which are consistent with financial markets), the FSA will examine the efforts by all insurance companies with regards to management practices and efforts made by the Institute of Actuaries of Japan. 例文帳に追加

特に経済価値ベースでのソルベンシー評価、すなわち市場価格に整合的な方法による保険負債及び金利リスク等の評価手法について、各保険会社における経営管理手法としての取組み及び日本アクチュアリー会における取組みを検証する。 - 金融庁

An economic value-based solvency regime is expected to contribute to the enhancement of risk management as it is a framework intended to appropriately recognize the financial conditions of insurance companies by consistently evaluating assets and liabilities based on economic value 例文帳に追加

経済価値ベースのソルベンシー規制は、資産負債の一体的な時価評価を通じ、保険会社の財務状況を的確に把握する枠組みであり、保険会社のリスク管理の高度化に資するものである - 金融庁

The following methods of calculating economic value-based insurance liabilities and other items were provisionally adopted in the field tests 例文帳に追加

今回のフィールドテストにおいて、試行的に計算を実施することとした経済価値ベースの保険負債等の計算方法については、暫定的に以下の通りとした - 金融庁

(i) The challenges most widely recognized by the management of both life and non-life insurers were the calculation of insurance liabilities based on economic value itself, followed by adoption of the internal model, the reflection of the calculation results in management, and the development of internal control systems 例文帳に追加

（ⅰ）今回のフィールドテストを通して、各社の経営陣が認識した課題としては、生保損保ともに、「経済価値ベースの保険負債評価」が最も多く、次いで「内部モデル」、「経営への反映」、「体制整備」が多かった。 - 金融庁

As actuarial assumptions used in the economic value-based calculation of insurance liabilities are reviewed at the time of the calculation, the calculation is presumably affected by fluctuations in the assumptions every calculation period. 例文帳に追加

経済価値ベースの保険負債評価については、計算に用いる基礎率等を計算時点において見直すため、計算期間毎に変動等の影響を受けると考えられることから - 金融庁

(iii) Regarding the solvency evaluation based on the economic value-based calculation of insurance liabilities, many companies commented that consideration should be given to the practice of the existing process of preparing financial reports, etc. 例文帳に追加

（ⅲ）経済価値ベースの保険負債評価に基づくソルベンシー評価について、現在の決算作業等を念頭に置いた場合における作業上の課題認識については、 - 金融庁

Therefore, before introducing a solvency regime based on the economic value-based calculation of insurance liabilities, due consideration should be given to such circumstances. 例文帳に追加

経済価値ベースの保険負債評価に基づいたソルベンシー規制の導入に際しては、こうした影響に対する配慮についても十分検討する必要がある - 金融庁

As the process of calculating future cash flow and risk margins as part of the calculation of insurance liabilities imposes a heavy burden of work, it is necessary to consider introducing some simplified method or other within the limits permissible from the perspective of regulation 例文帳に追加

保険負債計算における将来キャッシュフローやリスクマージン等の計算にあたっては、計算負荷が大きいことから、規制上容認できる範囲で、何らかの簡便な手法の検討等が必要であること - 金融庁

(i) The amount specified by a Cabinet Office Ordinance and Ordinance of the Ministry of Finance as the amount of liabilities that should be reserved to be allocated to the payment of policy reserve and any other insurance claim, etc. (referred to as the "Specified Policy Reserve, etc." in the following item and Article 270-5, paragraph (2)) pertaining to the insurance contracts pertaining to that Bankrupt Insurance Company, which falls under the insurance contract specified by a Cabinet Office Ordinance and Ordinance of the Ministry of Finance (hereinafter referred to as "Covered Insurance Contract"), multiplied by the rate specified by a Cabinet Office Ordinance and Ordinance of the Ministry of Finance by taking into consideration the kind of Covered Insurance Contract, expected interest rate, other content, etc.; 例文帳に追加

一　当該破綻保険会社に係る保険契約のうち内閣府令・財務省令で定める保険契約に該当するもの（以下「補償対象契約」という。）に係る責任準備金その他の保険金等の支払に充てるために留保されるべき負債として内閣府令・財務省令で定めるもの（次号及び第二百七十条の五第二項において「特定責任準備金等」という。）の額に、補償対象契約の種類、予定利率その他の内容等を勘案して内閣府令・財務省令で定める率を乗じて得た額 - 日本法令外国語訳データベースシステム

(i) The amount obtained by multiplying the sum total of the amount of the policy reserve pertaining to those insurance contracts of the Bankrupt Insurance Company which meet the requirements for insurance contracts to be specified by a Cabinet Office Ordinance and Ordinance of the Ministry of Finance (referred to as "Covered Insurance Contracts in the Special Provision Period" in the following item and the following paragraph) and any other amount to be specified by a Cabinet Office Ordinance and Ordinance of the Ministry of Finance as the liabilities to be retained for allocation to the payment of Insurance Claims, etc. (referred to as "Specified Policy Reserve, etc." in that item and that paragraph) by the ratio to be specified by a Cabinet Office Ordinance and Ordinance of the Ministry of Finance; 例文帳に追加

一　当該破綻保険会社に係る保険契約のうち内閣府令・財務省令で定める保険契約に該当するもの（次号及び次項において「特例期間補償対象契約」という。）に係る責任準備金その他の保険金等の支払に充てるために留保されるべき負債として内閣府令・財務省令で定めるもの（同号及び同項において「特定責任準備金等」という。）の額に、内閣府令・財務省令で定める率を乗じて得た額 - 日本法令外国語訳データベースシステム

Article 34-34 (1) Pursuant to the provisions of a Cabinet Order, a registered limited liability audit corporation may, when it has concluded an insurance contract on liabilities that arise during the course of providing its services (referred to as a "liability insurance contract of a limited liability audit corporation" in the following paragraph and paragraph (3)) and has obtained the approval of the Prime Minister, refrain from making a deposit or concluding a contract set forth in paragraph (3) for all or part of the deposit money to be deposited pursuant to the provisions of paragraph (2), paragraph (3) or paragraph (8) of the preceding Article, according to the amount of insurance money of said insurance contract, while said insurance contract remains effective. 例文帳に追加

第三十四条の三十四　登録有限責任監査法人は、政令で定めるところにより、その業務を行うに当たり生ずる責任に関する保険契約（次項及び第三項において「有限責任監査法人責任保険契約」という。）を締結し、内閣総理大臣の承認を受けたときは、当該契約の効力の存する間、当該契約の保険金の額に応じて前条第一項、第二項若しくは第八項の規定により供託する供託金の全部若しくは一部の供託又は同条第三項の契約の締結をしないことができる。 - 日本法令外国語訳データベースシステム

(ii) An amount obtained by multiplying a assessment rate by an amount calculated pursuant to the provision of a Cabinet Office Ordinance or Ordinance of the Ministry of Finance as the amount of liabilities that should be reserved to be allocated to the payment of policy reserve and any other Insurance Claims, etc., by each membership at the end of the business year. 例文帳に追加

二　各会員の事業年度末における責任準備金その他の保険金等の支払に充てるために留保されるべき負債の額として内閣府令・財務省令で定めるところにより算定した額に、負担金率を乗じて得た額 - 日本法令外国語訳データベースシステム

Regarding how to utilize the economic value-based calculation of insurance liabilities in day-to-day management, many companies recognized the following challenges, since the results of risk management based on the calculation reported to the management in a timely manner may have a significant impact on management decisions (decisions on capital strategies and reduction of risks): 例文帳に追加

経済価値ベースの保険負債評価の「経営への反映」については、経済価値ベースの保険負債評価に基づくリスク管理の結果が経営に適時に伝達され、経営判断（資本調達やリスク削減等の意思決定）に重要な影響を与えることから - 金融庁

The FSA will focus on examining the adequate level of liability reserves in terms of governance by focusing primarily on whether they are fulfilling their functions, such as whether chief actuaries are sufficiently involved in managing the level of liability reserves, in consideration of the appraisal of insurance liabilities based on economic value. 例文帳に追加

経営管理上適正な責任準備金の積立水準について、経済価値ベースでの保険負債の評価も勘案しつつ、保険計理人が責任準備金の積立水準の管理に十分関与しているかなど、その機能を発揮しているかという点を中心に検証する。 - 金融庁

the interest is beneficially owned by a resident of that other Contracting State that is either a bank; an insurance company; a securities dealer; or any other enterprise, provided that in the three taxable years preceding the taxable year in which the interest is paid, the enterprise derives more than 50 per cent of its liabilities from the issuance of bonds in the financial markets or from taking deposits at interest, and more than 50 per cent of the assets of the enterprise consist of debt-claims against persons that do not have with the enterprise a relationship described in subparagraph (a) or (b) of paragraph 1 of Article 9; 例文帳に追加

当該利子の受益者が、次のいずれかに該当する当該他方の締約国の居住者である場合。(i)銀行;(ii)保険会社;(iii)証券会社;(iv)(i)から(iii)までに掲げるもの以外の企業で、当該利子の支払が行われる課税年度の直前の三課税年度において、その負債の五十パーセントを超える部分が金融市場において発行された債券又は有利子預金から成り、かつ、その資産の五十パーセントを超える部分が当該企業と第九条１(a)又は(b)に規定する関係を有しない者に対する信用に係る債権から成るもの - 財務省