چکیده مقاله
The insurance sector is undergoing rapid change, prompting regulators worldwide to adopt future oriented supervisory approaches that are proactive, risk based, and technology driven This paper provides a comprehensive overview of future oriented insurance supervision, drawing on international standards and local insights We review literature on the evolution from traditional compliance monitoring to risk based and forward looking supervision, highlighting key frameworks from the International Association of Insurance Supervisors IAIS , the OECD, World Bank, and others A regional comparison examines how various jurisdictions – from advanced markets implementing Solvency II style regimes to emerging markets embracing risk based solvency – are aligning with global trends We identify core pillars of future oriented supervision, including risk based capital adequacy, proactive risk identification e g stress testing , supervisory technology SupTech adoption, and robust consumer protection Institutional requirements for implementing these approaches are discussed, emphasizing legal reforms, skilled human resources, and digital infrastructure Through case studies United States, European Union, China, and Iran’s past efforts , we illustrate successes and lessons in modernizing insurance oversight Finally, a tailored roadmap for Iran’s insurance industry is proposed, with short , medium , and long term steps e g updating solvency standards, developing real time data monitoring systems, and enhancing supervisory capacity to achieve a more adaptive and resilient regulatory regime The paper concludes with policy recommendations to ensure Iran’s supervisory framework not only safeguards policyholders but also supports innovation and market development The insights aim to assist policymakers and regulators in preparing Iran’s insurance supervision for future challenges and opportunities
کلیدواژهها
نویسندگان
M. Soltani
M. Tarkhorani
M. Tarkhorani
M. Soltani
شیوه ارجاع
Soltani, M. and Tarkhorani, M.,1404,Future-Oriented Insurance Supervision: Pillars, Global Trends, and a Roadmap for Iran,The 32nd National Conference and the 13th International Conference on Insurance and Development: 'Reimagining Supervision in Insurance: An Innovative Path toward Effective Regulation',Tehran
ارائهشده در
مجموعه مقالات سی ودومین همایش ملی و سیزدهمین همایش بین المللی بیمه و توسعه با عنوان: «بازاندیشی نظارت در بیمه؛ مسیر نوآورانه برای تنظیم گری موثر»11 آذر 1404 · تهران