چکیده مقاله
The accelerating pace of economic and technological change has fundamentally altered the insurance industry’s risk profile, introducing a wave of emerging threats including cyberattacks, climate driven catastrophes, and systemic shocks from interconnected financial systems These developments demand a shift from reactive oversight to proactive, forward looking regulation, capable of anticipating vulnerabilities before they materialize This paper proposes and examines a regulatory model that integrates predictive analytics, scenario building, resilience modelling, and regulatory technology RegTech with supervisory technology SupTech for comprehensive insurance supervision Drawing on a structured framework, the analysis addresses the typology of emerging risks—technological, climate/environmental, and systemic—and explores advanced modelling tools such as behavioural parameter integration, machine learning–based network analysis, and multi hazard stress testing International case studies from the EU, New Zealand, Singapore, and South Africa illustrate practical applications, from cyber risk oversight and parametric earthquake coverage to behavioural stress testing and AI driven claims fraud detection The paper further outlines a scenario building approach to assess plausible futures between 2030–2035, providing regulators with pathways for optimizing policy in optimistic, baseline, and pessimistic conditions Policy recommendations include establishing integrated risk data hubs, mandating climate and cyber stress tests, fostering parametric and resilience linked products, enabling continuous compliance through SupTech, embedding ethical governance in technological adoption, and embedding scenario based policy revision Findings demonstrate that proactive supervision enhances risk anticipation, improves intervention timing, and strengthens systemic resilience—particularly when supported by high quality data governance and interoperable SupTech frameworks Comparative insights reveal trade offs between uunified coordination and distributed innovation, underscoring the need for balanced governance models Overall, the study provides actionable guidance for insurance regulators and supervisory bodies seeking to protect solvency, market stability, and consumer trust in an increasingly complex and globally interconnected risk environment
کلیدواژهها
نویسندگان
A. Jam
S. Zarrodi
S. Zarrodi
A. Jam
شیوه ارجاع
Jam, A. and Zarrodi, S.,1404,Proactive Regulatory Approaches in Insurance: Anticipating Emerging Risks and Enhancing Resilience,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