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Capital in Insurance Companies-efficient creditor protection or outdated concept?

机译:资本在保险公司 - 高效的债权保护或过时的概念?

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Capital maintenance rules have received great attention in European commercial law forums as of late. The basic concept is that the restrictions imposed by the rules are directed at the activity of the insurance company, of course with reference to the capital invested by the shareholders. The exact manifestation of these rules depends on the specific national element, however it is possible to underline two basic concepts of capital maintenance: the creation of a minimum limit of capital and the restriction of asset transfer to shareholders where net income is well below the initial invested social capital. In insurance companies the minimum capital limit must be generated in a way that protects the interests of the insured. Through the present article we have tried to present, through a comparative analysis of the risks that creditors of insurance companies face, the capital maintenance protection mechanism available to them, underlining in the end its functionality and efficiency.
机译:资本维护规则在截至较晚的欧洲商业法论坛中受到了极大的关注。基本概念是,规则所施加的限制是在保险公司的活动中,当然是参考股东投资的资本。这些规则的确切表现取决于具体的国家元素,但有可能强调两个基本的资本维护概念:建立最低资本限制以及将资产转移到股东的资产转移限制在净收入远低于最初的股东投资社会资本。在保险公司中,必须以保护被保险人的利益的方式生成最低资本限制。通过目前的文章,我们试图通过对债权人面临的债权人面临的风险的比较分析,对他们提供的资本维护保护机制,最终下调其功能和效率。

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