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TRANSCRIPT
2016
/ 11
/ 09
2
1.IS
O 3
1000
34
2.IS
O 3
1000
5
• • • • •
3.IS
O31
000
ISO
3100
06
4.B
asel
IIB
asel
III
RB
C—
Solv
ency
II
ERP
BC
PB
CM
ERM
CSR
50%
92%
7
5.
/
Ris
k�C
ost�
Man
agem
ent�
1 2 3 4 5 6 7 8 9 10
6.20
14M
arsh
/RIM
S
Mar
shR
IMS
8
7.
II III )
I ()
IV
9
8.
–
10
11
9.�
()
�
()
�
()
VS
�40
~80%
(5%
-25%
)
�20
~40%
(30%
-90%
)
�5~
10%
(3%
-20%
)
�1~
3%(5
%-2
0%) Q
IS2
12
1969
~19
9819
69~
2010
22.4
%40
.3%
68.6
%
13.5
%13
.6%
5.6%
7.1%
3.4%
3.6%
4.4%
4.0%
6.2%
7.3%
4.1%
7.8%
6.9%
7.8%
6.9%
8.6%
26.5
%0%
100%
100%
Sour
ce: (
1)Sw
iss R
e, S
igm
a N
o.1/
2000
;(2
)196
9-20
10 P
/C Im
pair
men
t Rev
iew
, AM
Bes
t, M
ay 2
, 201
113
40~8
0%
a.
�
/
�/
�/
/
14
40~8
0%
b.
� � �
15
40~8
0%
c.
� � �
16
1. 2. 3. 4. 5.
/17
1.
a.(
)
b.(
)
c. d. e.
18
a.
• • •/
19
b.• • •
20
b.
21
b.
� �B
asel
� �
�PM
LAA
L� � �
22
Tie
r1
•(P
GA
)•
(PM
L)
•
23
b.• •
PML
24
c.
25
d.10
-6/
Ris
k Le
vel
5*10
-2(1
/Yr)
prob
abili
ty o
f Fai
lure
on D
eman
d (P
FD)
2*10
-3
Prob
abili
ty o
f Fai
lure
on D
eman
d (P
FD)
5*10
-3
Ris
k Le
vel
5*10
-7(1
/Yr)
(afte
r)
PES
(IPL
)
SIL
Ris
k Le
ver
2.5x
10-4
(1/Y
r) 26
FM 7
-45
1.
�-
�H
AZ
OP
�Q
RA
27
FM 7
-45
2./
3.
SIS
28
FM 7
-45
4.SI
SSI
LSI
LSI
L(B
CPS
)SI
L(n
on-S
IL)
5.SI
L
29
2.
a. b.(M
FL)
c. d.
30
Top
Lay
er
2nd
Lay
er
1st L
ayer
Prim
ary
Lay
er
Self
Insu
ranc
e R
eten
tion
Ded
uctib
le(1
0M)
SIR
(300
M)
PL(1
B)
PML(
5B)
Subl
imit(
15B
)
MFL
(30B
)
TSI(
50B
)
31
3.
• • • •
32
a. � � � � � �
33
•:
•:1
.2.
3.
•:
•:
•:1
.2.
3.4.
>2•
:1.
2.3.
•E
PC:
34
4.
a. b. c.
35
(Inh
eren
t saf
ety)
(Pas
sive
Saf
ety)
(Act
ive
Safe
ty)
(Pro
cedu
ral S
afet
y)
36
5.
a.PM
L
b. c. d.
3738
393920
13
1980
~201
2
()
4040
1.19
006~
82.
2000
414120
134242
1981~2010
302001~2010
102011
2012
630
790
820
905
75,0
00M
113,
000M
380,
000M
170,
000M
19,000M
35,000M
105,000M
70,000M
69,0
0010
6,00
027
,000
9,60
0
2011
/3/1
115,840
210,000M
40,000M
2011
/8~1
181
340
,000
M10
,000
M
2011
/2/2
218
116
,000
M13
,000
M
2012
/10/
24~3
1Sa
ndy
210
65,000M
30,000M
US$
Mill
ion
M
unic
h R
e 20
13/3
43
2001
425m
m
50
2001
741m
m50
2009
328
84m
m70
%
2010
535m
m10
00m
m20
0
2010
939m
m50
44
1999
.09.
217.
32,
321
51,3
30
1951
.10.
227.
368
2,38
2
1951
.11.
257.
317
1,59
8
1935
.04.
217.
13,
276
54,6
88
1906
.03.
177.
11,
258
20,9
87
1941
.12.
177.
135
815
,606
1964
.01.
186.
510
640
,965
1904
.11.
066.
314
53,
840
1946
.12.
056.
374
4,03
8
1935
.07.
176.
244
7,62
1
1917
.01.
055.
854
755
454646
�
/�
�
1
(Tot
al c
ost o
f ris
k)
47
2
•(
)
•(
)
•(
)
•(
)
•(
)
49
3
• • • •/
/
50
()
()
()
Ris
kM
itig
atio
n
+
Pro
pert
y In
sura
nce
Doi
ng g
ood
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le d
oing
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