保险业对气候风险评估监管方法的看法

The Geneva Association Task Forceon Climate Change Risk Assessment for the Insurance IndustryMaryam Golnaraghi(project leader and coordinating author), The Geneva AssociationDrafting team:Ben Carr,Aviva |Sebastian Fischer, AllianzIan Adamczyk, Sean Collins, Li Liu, Prudential FinancialHjörtur Thrainsson, Munich Re |Michèle Lacroix, Paul Nunn,SCORMartin Weymann,Swiss Re |Dennis Noordhoek,The Geneva AssociationOther team members:Gijs Kloek, Achmea |Pedro Nascimento de Oliveira, AegonDavid Buckle, Mark Schaltuper, Jennifer Waldner, Anthony L Zobl,AIGJean-Francois Coppenolle, Bianca Hanscombe,Aviva |Madeleine-Sophie Déroche, Dora Elamri,Remi Meynadier, Olivier Poissonneau,AXA |Gloria Jimenez, Alexandra Speers,ChubbKazumi Hayashi, Hidenao Makiuchi,Dai-ichi Life |Jörg Steffensen, Hannover RePierre Bernard, Brandon Blant, Mandy Dennison, Benjamin Jasmin, Laura Willett,Intact FinancialSarah Chapman, Margaret Eve Child, Herman Ko, Maria McGowan,ManulifeDiana Keegan, Anna Warm,MetLife |Matt Blakely, Chris Falkous, Amy Gibson, Chad Kleindorfer,Elena Kostova-Oksanen, Georgiana Willwerth-Pascutiu,Reinsurance Group of AmericaYun Wai-Song,SCOR |Martin Bertogg,Swiss ReJohn Campbell, Kei Kato, Devashish Kumar, Z. Ming Li,Tokio MarineInsurance Industry Perspectives onRegulatory Approaches toClimate Risk Assessment 1Insurance Industry Perspectives on Regulatory Approaches to Climate Risk Assessment 2www.genevaassociation.orgThe Geneva AssociationThe Geneva Association was created in 1973 and is the only global association of insurance companies; ourmembers are insurance and reinsurance Chief Executive Officers (CEOs). Based on rigorous research conductedin collaboration with our members, academic institutions and multilateral organisations, our mission is toidentify and investigate key trends that are likely to shape or impact the insurance industry in the future,highlighting what is at stake for the industry; develop recommendations for the industry and for policymakers;provide a platform to our members, policymakers, academics, multilateral and non-governmental organisationsto discuss these trends and recommendations; reach out to global opinion leaders and influential organisationsto highlight the positive contributions of insurance to better understanding risks and to building resilient andprosperous economies and societies, and thus a more sustainable world.AcknowledgementsThe task force would like to thank the members of the Geneva Association Climate Change and EnvironmentWorking Group, the Public Policy and Regulation Working Group and Geneva Association Associates for theirreview and feedback. We also extend our thanks to The Geneva Association’s editorial committee for their helpfulcomments.Photo credits:Cover page – stockwerk-fotodesign and VicW / Shutterstock.comGeneva Association publications:Pamela Corn, Director CommunicationsHannah Dean, Editor and Content ManagerPetr Neugebauer, Digital Media ManagerSuggested citation:The Geneva Association. 2021.Insurance Industry Perspectives onRegulatory Approaches to Climate Risk Assessment.June. Authors:Maryam Golnaraghi and the Geneva Association Task Force onClimate Change Risk Assessment for the Insurance Industry.© The Geneva Association, 2021 All rights reservedwww.genevaassociation.org Contents1.Executive summary2.Introduction3.Regulatory activities related to climate change4.Recommendations for the way forwardAnnexSummary of regulatory activities in climate risk assessment and scenario analysis(international, regional, national and sub-national)References 3Insurance Industry Perspectives on Regulatory Approaches to Climate Risk Assessment5810182127 4www.genevaassociation.orgAbstractSince 2017, following the release of the Financial Stability Board’s Task Force on ClimateRelated Financial Disclosures (FSD-TCFD), climate risk assessment and related disclosuresare gaining momentum among financial services and insurance regulators and stan-dard-setting bodies. This report offers a broad overview of benefits and challenges associ-ated with current regulatory approaches to climate change risk assessment and scenarioanalysis. The development of climate risk assessment methodologies and tools, such asscenario analysis, that would produce meaningful and decision-useful information is awork in progress. Much work lies ahead because of the quickly evolving nature of climatescience as well as other factors that will influence transition efforts. Achieving consensuswill take time. This report also highlights additional benefits that could be realised fromfurther strengthened collaboration between the insurance industry and regulatory andsupervisory bodies as well as among regulators from different jurisdictions, globally. Since 2017, following the release of the Financial Stability Board’s Task Force onClimate-Related Financial Disclosures (FSD-TCFD), climate risk assessment andrelated disclosures are gaining momentum among financial services and insuranceregulators and