原版英文保险资讯3
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2、国际保险市场Swiss Re Forecasts Increasing Demand for Natural Catastrophe Coverage瑞士再预期自然巨灾保险需求将上升瑞士再表明尽管2009年飓风季节相对平静，但是因自然巨灾造成的损失却显著增长，且又进一步上涨的趋势。
瑞士再自然巨灾保险保费已达到18亿美元。
（中文摘要为本网站翻译，以下为英文原文）Swiss Re has concluded that, despite the unusually quiet 2009 hurricane season, "overall natural catastrophe losses have increased significantly over time and are expected to grow further."The premium for our book of natural catastrophe covers reached $1.8 billion. Due to the lack of large catastrophe events in 2009 i t contributes substantially to Swiss Re’s overall profit."Executive Board Member and Head of Property & Specialty, Matt Weber, noted: “Europe has seen above average losses in 2009. The impact of climate change is likely to cause more frequent and more severe storms and floods around the globe in future."Swiss Re pointed out that "average insured natural catastrophe losses world-wide went from $5.1 billion per year in 1970-1989 to $27.1 billion per year in 1990-2009. As a result, we are seeing an increase in demand for natural catastrophe cover."The reinsurer described its approach as "intelligent cycle and sound risk management," adding that this it "remains crucial," not only in "the current environment but also when considering potential catastrophes."To tackle the problem, Swiss Re reiterated its call for the establishment of "strong public-private partnerships," as they will be "essential in tackling the marked increase in risk posed by natural catastrophes, especially in markets with outstanding hazards or developing insurance. Cases like the increasing storm surge risk in The Netherlands or Denmark become the challenges of the future."One part of the ongoing solutions, strongly back by Swiss Re, is "innovative risk transfer solutions such as: tailor-made, complex solutions for industrial risks or emerging markets, including parametric covers; catastrophe bonds and weather derivatives," the bulletin concluded.英文转自：Insurancejournal网站Lloyd's Analyzes New and Changing Risks伦敦劳合社分析新的市场风险新的十年的开始，正是清点过去所带来和未来即将发生的事情的时候。
作为其“全面风险洞察”计划的一部分，伦敦劳合社通过征询不同专家的意见，强调2010年及以后要防范的潜在风险。
（中文摘要为本网站翻译，以下为英文原文）The start of a new decade is always a time to take stock in what the past has brought, and what the future may bring. As part of its "360 Risk Insight" series, Lloyd's of London queried "a cross section of experts to highlight potential risks to look out for in 2010 and beyond."Daniel Golding, risk analyst at Lloyd's insurer Chaucer, "warned of macro-economic risks, such as inflationary pressures and the potential collapse of the carbon credit market. According to Golding, there is a possibility that the value of assets or income will decrease as inflation shrinks the purchasing power of a currency."He described the emerging risk as "due to factors such as quantitative easing, increasing government debt, inconsistencies in the CPI index and a peak of oil production. All of this will likely contribute to a significant increase in inflation over the next year."He also pointed out that instability in the US or UK economy could lead to a second financial crisis. "Debt to GDP ratio for all levels of US government debt is 87 percent, but inclusive of household and business debt and government-sponsored enterprises the ratio rises to 331 percent. Inclusive of Social Security and Medicare, the ratio rises to 1,000 percent. This is unsustainable and could result in a financial crisis far greater than that experienced to date," he warned.On the subject of cutting CO2 emissions, Golding expressed concerns that carbon credits are being packaged into increasingly complex financial products, similar to the "shadow finance" around sub-prime mortgages which triggered the recent economic crash."As recession slashes output, companies pile up permits they don't need and sell them on," he continued. "The price falls, and anyone who wants to pollute can afford to do so. The result is a system that does nothing at all for climate change but a lot for the bottom lines of mega-polluters." Finally, Golding pointed to the lack of social responsibility among some businesses. "There is a growing need for companies to take account of their presence in the community and their effect on it. This includes the downside impact of transacting with nefarious individuals and questionable companies."He added: "There is an increasing propensity for organizations to suffer reputational, legal, political and regulatory repercussions from focusing purely on financial success without considering 'softer' ethical motivations."Dan Trueman, an underwriter at Lloyd's insurer Kiln, expressed confidence that the insurance market can step up to such challenges: "The key message is that while the world readdresses itself to the changing issues it faces over the next year, many threats present opportunities for the insurance industry to show how creative and flexible it can be in providing solutions. For Lloyd's, in particular, this innovative approach is, and must remain, a key source of competitive advantage."Trueman, a specialist in intellectual property, brand and reputation risk, expects recent controversies to influence business risk priorities in 2010: "Hard on the heels of the adverse media reports about Tiger Woods and the subsequent impact on his sponsors, organizations are once again examining the value of their reputation and the possibility of protecting against a loss of revenue when it is damaged.""Such reputational risk events that we are beginning to see include the effect of data privacy breaches, the longer term effect of product recalls, as well as the behavior of key directors and officers of organizations," he stated.As pirate attacks off Somalia continue unabated, Lloyd's remains in the forefront of marine and its increasingly sought after adjunct, kidnap and ransom coverage. According to Guillaume Bonnissent, kidnap and ransom underwriter at Hiscox: "In 2010 it is likely that we will see the expansion of piracy attacks into new waters. Last year saw pirates become more daring in their tactics, demonstrating that they can avoid waters protected by warships and attack vessels more than 1,000 nautical miles from the coast."He also noted that there has been a substantial increase in the size of ransoms that have been paid to pirates in the last 12 months, creating more problems for ship owners. "The publicizing of these amounts in the press is likely to fuel copycat attacks, with pirates evolving their techniques in response to measures being taken against them," he observed.Natural catastrophes are likely to continue as well, with the possibility that 2010 will experience an active hurricane season. This "raises a warning flag for catastrophe modelers," Lloyd's said. George Davis, vice president at AIR Worldwide, believes that insurers must improve the quality of exposure data in 2010, or suffer the consequences."Companies rely on catastrophe models to provide reliable estimates of loss, whether for purposes of managing risk over the long term or for understanding their loss potential in real time as an actual event unfolds," Davis told 360 Risk Insight. "However, the reliability of model output is only as good as the quality of the exposure data used as input. Information on property valuation, location, and building characteristics needs to be readily available and reliable."He added: "With the constant threat of increasingly large catastrophe losses driven by an expanding concentration of property value in at-risk areas, the need for companies to reassess exposure data collection practices and put processes in place to enhance data quality is moreimportant than ever."英文转自：insurancejournal网站3、国际保险机构动态Zurich Obtains $225 Million Calif. Quake Backup from Lakeside Re II苏黎世再获得Lakeside Re II2.25亿美元资金支持苏黎世金融集团旗下美国保险公司和苏黎世保险公司，已获得Lakeside Re II2.25亿美元的巨灾超额赔款保护资金，用于为加州地区地震提供理赔。
