Impacto en el Sistema Asegurador Ecuatoriano como consecuencia de las Reformas a La Ley General De Seguros, incluidas en el Código Orgánico, Monetario Y Financiero.
Fecha
2015-10
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Universidad de Guayaquil. Facultad de Ciencias Económicas
Resumen
El presente análisis se encuentra enfocado en señalar las consecuencias que generarán las reformas a la Ley General de Seguros a través del Código Orgánico, Monetario y Financiero en el sector asegurador, reconociendo al requerimiento de capital mínimo como el más preocupante para las aseguradoras por su elevado monto de 8 millones de dólares. Luego de realizar un análisis por compañías de seguros se puede señalar que actualmente existen únicamente seis aseguradoras que cumplen con el requerimiento de capital y considerando las reservas de capital y las utilidades retenidas que mantienen en la actualidad, otras ocho aseguradoras lograrán cumplir este requerimiento.
Las compañías de seguros que no cumplen con el requerimiento de capital basándose en el ejercicio de capitalizar sus reservas de capital y utilidades retenidas, existen varias opciones como solicitar una prórroga a la Junta de Política y Regulación Monetaria y Financiera por otros 18 meses, esta prórroga está a decisión de la Entidad, o en su defecto estudiar la posibilidad de proponer y/o aceptar posibles fusiones.
Finalmente se puede señalar que en este análisis se evidencia el resultado contraproducente que generaría una disminución de oferentes en el sector
ya que al no poder completar el mínimo de capital, estas aseguradoras cerrarán sus operaciones y sus colaboradores quedarán desempleados.
This analysis is focused on pointing out the consequences that will generate the amendments to the General Insurance Act through Organic, Monetary and Financial Code in the insurance sector, recognizing the minimum capital requirement as the most worrying for insurers due to their high amount of $ 8 million. After an analysis by insurance companies can be noted that there are currently only six insurance that meet the capital requirement and considering the capital reserves and retained earnings to remain at present, eight other insurers succeed in meeting this requirement. Insurance companies that do not meet the capital requirement based on the exercise of capitalize their capital reserves and retained earnings, several options how to request an extension to the Board Policy and Monetary and Financial Regulation for another 18 months, this extension It is a decisionmaking body, or failing to consider proposing and / or accept possible mergers. Finally it can be noted that in this analysis the perverse result that would generate a reduction of suppliers in the industry is evident and being unable to complete the minimum capital, these insurers will close its operations and its employees will become unemployed.
This analysis is focused on pointing out the consequences that will generate the amendments to the General Insurance Act through Organic, Monetary and Financial Code in the insurance sector, recognizing the minimum capital requirement as the most worrying for insurers due to their high amount of $ 8 million. After an analysis by insurance companies can be noted that there are currently only six insurance that meet the capital requirement and considering the capital reserves and retained earnings to remain at present, eight other insurers succeed in meeting this requirement. Insurance companies that do not meet the capital requirement based on the exercise of capitalize their capital reserves and retained earnings, several options how to request an extension to the Board Policy and Monetary and Financial Regulation for another 18 months, this extension It is a decisionmaking body, or failing to consider proposing and / or accept possible mergers. Finally it can be noted that in this analysis the perverse result that would generate a reduction of suppliers in the industry is evident and being unable to complete the minimum capital, these insurers will close its operations and its employees will become unemployed.
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Palabras clave
LEY GENERAL DE SEGUROS, CÓDIGO ORGÁNICO, MONETARIO Y FINANCIERO
Citación
APA