В Росстрахнадзоре рассмотрели поправки к закону "Об организации страхового дела"
На совместном заседании экспертного и общественного советов при Федеральной службе страхового надзора глава службы Александр Коваль представил самый глобальный в настоящий момент проект поправок к закону "Об организации страхового дела" и другим законам, регулирующим деятельность страховщиков. Об этом сообщает сегодня «Коммерсант». Текст документа на 120 страницах предлагает новые правила игры для страховщиков. Из основного — это повышение базового уставного капитала до 120 млн руб. С учетом существующих коэффициентов к капиталу это означает, что уставный капитал для компаний по страхованию жизни составит 240 млн руб., а для тех, кто обладает лицензией на перестрахование, и специализированных перестраховщиков — до 480 млн руб. В расчете собственных средств страховщикам разрешат учитывать субординированные займы — не более одной четвертой от собственных средств. Кроме того, регулятор будет согласовывать кандидатуры руководителя и главного бухгалтера компании, откажет в выдаче лицензий тем, у кого в акционерах будут лица, имеющие отношение к банкротам либо допустившие административные правонарушения. Агентов предлагается привязать к одной компании, срок лицензирования — увеличить вдвое, до 120 дней. Страховщикам также запрещается менять название и адрес в период действия санкций надзора. За сдачу регулятору недостоверной отчетности более двух раз в год на сумму 3 млн руб. и более предложено сразу без предписаний отзывать лицензию. Основанием же для принятия мер по недопущению банкротства в проекте предложено считать неисполнение страховщиком обязательств по денежным выплатам в течение десяти рабочих дней. Всероссийский союз страховщиков считает, что ряд поправок опасны для рынка без дополнений. По словам главы "АльфаСтрахования" Владимира Скворцова, все обязательства, в связи с неисполнением которых предъявляется иск о банкротстве, должны быть подтверждены вступившим в силу решением суда. "Сейчас идет огромное количество споров с подрядчиками — клиниками, СТОА в автостраховании,— поясняет он.— Они хотят, чтобы мы им платили больше, чем им это положено". Контрагенты страховщиков будут использовать эту норму для шантажа страховщиков, уверен Владимир Скворцов. Это вызовет панику среди клиентов, подорвет деловую репутацию компаний, даст повод для рейдерства и черного пиара. По словам главы представительства кельнского перестраховочного общества Gen Re Капитолины Турбиной, предложенные минимальные лимиты уставного капитала излишне велики. По ее словам, в Европе для страховщиков установлены требования к уставному капиталу в €2 млн, а для страховщиков ответственности — €3 млн. Таким образом, для российских перестраховщиков предлагаются лимиты в четыре раза выше европейских. "120 млн надо установить единой планкой для всех",— уверена госпожа Турбина. По словам Александра Коваля, в настоящий момент проект находится на одобрении в администрации президента.
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Об этом сообщает сегодня \u0026laquo;Коммерсант\u0026raquo;. \u003C\/span\u003E \r\n \u003Cbr \/\u003E\r\n \u003Cspan class=\u0022kobl-text-content\u0022\u003EТекст документа на 120 страницах предлагает новые правила игры для страховщиков. Из основного \u0026mdash; это повышение базового уставного капитала до 120 млн руб. С учетом существующих коэффициентов к капиталу это означает, что уставный капитал для компаний по страхованию жизни составит 240 млн руб., а для тех, кто обладает лицензией на перестрахование, и специализированных перестраховщиков \u0026mdash; до 480 млн руб. В расчете собственных средств страховщикам разрешат учитывать субординированные займы \u0026mdash; не более одной четвертой от собственных средств. Кроме того, регулятор будет согласовывать кандидатуры руководителя и главного бухгалтера компании, откажет в выдаче лицензий тем, у кого в акционерах будут лица, имеющие отношение к банкротам либо допустившие административные правонарушения. Агентов предлагается привязать к одной компании, срок лицензирования \u0026mdash; увеличить вдвое, до 120 дней.\u003C\/span\u003E \r\n \u003Cbr \/\u003E\r\n \u003Cspan class=\u0022kobl-text-content\u0022\u003EСтраховщикам также запрещается менять название и адрес в период действия санкций надзора. За сдачу регулятору недостоверной отчетности более двух раз в год на сумму 3 млн руб. и более предложено сразу без предписаний отзывать лицензию. Основанием же для принятия мер по недопущению банкротства в проекте предложено считать неисполнение страховщиком обязательств по денежным выплатам в течение десяти рабочих дней.\u003C\/span\u003E \r\n \u003Cbr \/\u003E\r\n \u003Cspan class=\u0022kobl-text-content\u0022\u003EВсероссийский союз страховщиков считает, что ряд поправок опасны для рынка без дополнений. По словам главы \u0026quot;АльфаСтрахования\u0026quot; Владимира Скворцова, все обязательства, в связи с неисполнением которых предъявляется иск о банкротстве, должны быть подтверждены вступившим в силу решением суда. \u0026quot;Сейчас идет огромное количество споров с подрядчиками \u0026mdash; клиниками, СТОА в автостраховании,\u0026mdash; поясняет он.\u0026mdash; Они хотят, чтобы мы им платили больше, чем им это положено\u0026quot;. Контрагенты страховщиков будут использовать эту норму для шантажа страховщиков, уверен Владимир Скворцов. Это вызовет панику среди клиентов, подорвет деловую репутацию компаний, даст повод для рейдерства и черного пиара. \u003C\/span\u003E \r\n \u003Cbr \/\u003E\r\n \u003Cspan class=\u0022kobl-text-content\u0022\u003EПо словам главы представительства кельнского перестраховочного общества Gen Re Капитолины Турбиной, предложенные минимальные лимиты уставного капитала излишне велики. По ее словам, в Европе для страховщиков установлены требования к уставному капиталу в \u0026euro;2 млн, а для страховщиков ответственности \u0026mdash; \u0026euro;3 млн. 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Об этом сообщает сегодня \u0026laquo;Коммерсант\u0026raquo;. \u003C\/span\u003E \r\n \u003Cbr \/\u003E\r\n \u003Cspan class=\u0022kobl-text-content\u0022\u003EТекст документа на 120 страницах предлагает новые правила игры для страховщиков. Из основного \u0026mdash; это повышение базового уставного капитала до 120 млн руб. С учетом существующих коэффициентов к капиталу это означает, что уставный капитал для компаний по страхованию жизни составит 240 млн руб., а для тех, кто обладает лицензией на перестрахование, и специализированных перестраховщиков \u0026mdash; до 480 млн руб. В расчете собственных средств страховщикам разрешат учитывать субординированные займы \u0026mdash; не более одной четвертой от собственных средств. Кроме того, регулятор будет согласовывать кандидатуры руководителя и главного бухгалтера компании, откажет в выдаче лицензий тем, у кого в акционерах будут лица, имеющие отношение к банкротам либо допустившие административные правонарушения. Агентов предлагается привязать к одной компании, срок лицензирования \u0026mdash; увеличить вдвое, до 120 дней.\u003C\/span\u003E \r\n \u003Cbr \/\u003E\r\n \u003Cspan class=\u0022kobl-text-content\u0022\u003EСтраховщикам также запрещается менять название и адрес в период действия санкций надзора. За сдачу регулятору недостоверной отчетности более двух раз в год на сумму 3 млн руб. и более предложено сразу без предписаний отзывать лицензию. Основанием же для принятия мер по недопущению банкротства в проекте предложено считать неисполнение страховщиком обязательств по денежным выплатам в течение десяти рабочих дней.\u003C\/span\u003E \r\n \u003Cbr \/\u003E\r\n \u003Cspan class=\u0022kobl-text-content\u0022\u003EВсероссийский союз страховщиков считает, что ряд поправок опасны для рынка без дополнений. По словам главы \u0026quot;АльфаСтрахования\u0026quot; Владимира Скворцова, все обязательства, в связи с неисполнением которых предъявляется иск о банкротстве, должны быть подтверждены вступившим в силу решением суда. \u0026quot;Сейчас идет огромное количество споров с подрядчиками \u0026mdash; клиниками, СТОА в автостраховании,\u0026mdash; поясняет он.\u0026mdash; Они хотят, чтобы мы им платили больше, чем им это положено\u0026quot;. Контрагенты страховщиков будут использовать эту норму для шантажа страховщиков, уверен Владимир Скворцов. Это вызовет панику среди клиентов, подорвет деловую репутацию компаний, даст повод для рейдерства и черного пиара. \u003C\/span\u003E \r\n \u003Cbr \/\u003E\r\n \u003Cspan class=\u0022kobl-text-content\u0022\u003EПо словам главы представительства кельнского перестраховочного общества Gen Re Капитолины Турбиной, предложенные минимальные лимиты уставного капитала излишне велики. 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