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保险财务与风险套件

保险公司 CFO 与 CRO 文档：风险偏好、ORSA、压力测试、IFRS 17 备忘录、SFCR 与基于 ACORD 的方案设计。

8 个模板，按使用顺序分为 5 步。在编辑器中打开任一模板，填写后可导出为 PDF、DOCX 或 HTML。

第 1 步

评审与治理

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

    完整

    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)

    完整

    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)
第 2 步

评估

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

    完整

    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)

    完整

    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

    完整

    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
第 3 步

会计

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

    完整

    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)
第 4 步

漏洞披露与安全公告

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

    完整

    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
第 5 步

参考设计

  1. Insurance Solution Design Template (ACORD Reference Architecture)

    完整

    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