Hohe Rechenaufwand für interne Solvency II Modelle
Definition
Die Berechnung des BSCR erfordert Speicherung von Bonus-Cashflows pro Policy, Jahr und Simulationspfad, was huge computational capacity erfordert. Vereinfachungen zu 'constant value' Boni sind notwendig, um Praxistauglichkeit zu erreichen.
Key Findings
- Financial Impact: 20-40 Stunden/Monat Aktuarzeit à €150/h = €36.000-72.000/Jahr
- Frequency: Monatlich bei Modell-Updates
- Root Cause: Komplexität der Solvency II-Formeln mit Korrelationen (ρmkt,life etc.)
Why This Matters
This pain point represents a significant opportunity for B2B solutions targeting Insurance Carriers.
Affected Stakeholders
Aktuar-Team, IT-Risk
Deep Analysis (Premium)
Financial Impact
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Current Workarounds
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Methodology & Sources
Data collected via OSINT from regulatory filings, industry audits, and verified case studies.
Evidence Sources:
Related Business Risks
Kapitalblockade durch Operational Risk Factor
Überhöhte Solvabilitätskapitalanforderungen durch ungenaue RBC-Berechnung
Betrugskosten durch unzureichende Erkennung
Fehlentscheidungen bei Rückstellungsanpassung
Prämieneinnahmen-Unterschätzung durch Auditfehler
Kapazitätsverluste durch manuelle Schadensbearbeitung
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