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보험 재무·리스크 키트

보험사 CFO·CRO 문서: 위험 성향, ORSA, 스트레스 테스트, IFRS 17 메모, SFCR, ACORD 기반 솔루션 설계.

사용 순서에 따라 5단계로 정리한 템플릿 8개입니다. 편집기에서 템플릿을 열어 작성한 뒤 PDF, DOCX 또는 HTML로 내보낼 수 있습니다.

1단계

검토와 거버넌스

  1. Risk Appetite Statement Template (Bank RAF, FSB, EBA)

    전체

    Bank RAS: risk capacity, qualitative statements, Level 1 metrics with appetite, tolerance and limit, cascade, monitoring, breach escalation, use test

    FSB RAF Principles 2013; EBA/GL/2021/05; 12 CFR 30 App. D

  2. Model Risk Management Policy Template (SR 26-2, PRA SS1/23)

    전체

    Model definition, roles, inventory fields, tiering matrix, development, risk-based validation, monitoring, overlays, vendor models, GenAI scope, issues, reporting

    SR 26-2 / OCC 2026-13 / FDIC FIL-15-2026 (2026); PRA SS1/23; ECB guide to internal models (2025)
2단계

평가

  1. ORSA Report Template (Solvency II Article 45, Solvency UK, NAIC)

    전체

    Board conclusions, business plan, risk profile, overall solvency needs, SCR projection, standard formula fit, stresses, climate scenarios, liquidity

    Solvency II Art. 45 as amended by Directive (EU) 2025/2; EIOPA-BoS-14/259; PRA SS19/16; NAIC #505

  2. Bank Stress Testing Programme Template (EBA/GL/2018/04)

    전체

    Bank stress testing programme: governance, test inventory, scenario design, macro variables, methods by risk, results, actions, reverse stress test, use

    EBA/GL/2018/04; CRD Arts 73, 86, 100; EBA/GL/2026/06; BCBS Stress testing principles 2018 (name only)

  3. Key Risk Indicator (KRI) Framework Template

    전체

    KRI framework: selection criteria, KRI record fields, catalogue, RAG thresholds and calibration, link to RAS, data lineage, reporting, escalation, review

    BCBS PSMOR 2021; FSB RAF Principles 2013; DORA (EU) 2022/2554
3단계

회계

  1. IFRS 17 Insurance Contracts Memo Template (CSM, PAA, VFA, LDTI)

    전체

    Scope and boundary, aggregation, GMM/PAA/VFA choice, cash flows, risk adjustment, CSM roll-forward, onerous groups, transition, LDTI comparison

    IFRS 17 (paragraph numbers only); FASB ASC 944 (ASU 2018-12 LDTI)
4단계

공개와 보안 권고

  1. Solvency and Financial Condition Report Template (Solvency II SFCR)

    전체

    Two-part SFCR: policyholder summary, business, governance, risk profile, valuation, own funds, SCR and MCR, sustainability, public QRTs, controls

    Solvency II Arts 51-56 as amended by Directive (EU) 2025/2; Delegated Reg (EU) 2015/35 Arts 290-303 as amended
5단계

참조 설계

  1. Insurance Solution Design Template (ACORD Reference Architecture)

    전체

    Insurance core on ACORD: facet mapping, capabilities, policy/billing/claims, rating, ACORD messages, data trace, reinsurance, regulatory data, migration

    ACORD Reference Architecture (Data Model 2.14, Capability Model 2.6); ACORD NGDS v1-13-0