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Systemic Risk and the U.S. Insurance Sector

机译：系统性风险与美国保险业

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摘要

This article examines the potential for the U.S. insurance industry to cause systemic risk events that spill over to other segments of the economy. We examine primary indicators of systemic risk as well as contributing factors that exacerbate vulnerability to systemic events. Evaluation of systemic risk is based on a detailed financial analysis of the insurance industry, its role in the economy, and the interconnectedness of insurers. The primary conclusion is that the core activities of U.S. insurers do not pose systemic risk. However, life insurers are vulnerable to intrasector crises, and both life and property-casualty insurers are vulnerable to reinsurance crises. Noncore activities such as financial guarantees and derivatives trading may cause systemic risk, and interconnectedness among financial institutions has grown significantly in recent years. To reduce systemic risk from noncore activities, regulators need to continue efforts to strengthen mechanisms for insurance group supervision.
机译：本文研究了美国保险业引发系统性风险事件并扩散到经济其他部门的潜力。我们研究了系统性风险的主要指标以及加剧系统性事件脆弱性的影响因素。系统性风险的评估基于对保险业，其在经济中的作用以及保险公司之间的相互联系的详细财务分析。主要结论是，美国保险公司的核心活动不构成系统性风险。但是，人寿保险公司容易受到部门内危机的影响，而人寿和财产伤亡保险公司都容易受到再保险危机的影响。金融担保和衍生品交易等非核心活动可能会导致系统性风险，近年来，金融机构之间的相互联系已显着增长。为了减少非核心活动带来的系统性风险，监管机构需要继续努力，以加强保险集团监管机制。

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  • 来源
    《The journal of risk and insurance》 |2014年第3期|489-527|共39页
  • 作者

    J. David Cummins; Mary A. Weiss;

  • 作者单位

    Department of Risk, Insurance, and Healthcare Management, Temple University, Alter Hall, 006-00, 1801 Liacouras Walk, Philadelphia, PA 19122;

    Department of Risk, Insurance, and Healthcare Management, Temple University, Alter Hall, 006-00, 1801 Liacouras Walk, Philadelphia, PA 19122;

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