Page 34 - 期貨和衍生品行業(yè)監管動(dòng)態(tài)（2024年5月）
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期貨和衍生品行業(yè)監管動(dòng)態(tài)
地緣政治不穩定性的加劇和數字化解決方案的增加正在加大與網(wǎng)絡(luò )安全相
關(guān)的風(fēng)險。網(wǎng)絡(luò )攻擊和威脅的數量正在增加，盡管目前影響依然有限，但與網(wǎng)絡(luò )
相關(guān)的保險索賠已經(jīng)在不斷增加，（再）保險行業(yè)正在進(jìn)一步加強定價(jià)技術(shù)和風(fēng)
險轉移機制。目前正在進(jìn)行的網(wǎng)絡(luò )韌性測試的結果對銀行業(yè)來(lái)說(shuō)將非常重要。
編者按
這份關(guān)于風(fēng)險和脆弱性的 2024 年春季聯(lián)合委員會(huì )更新報告已于 4 月 29 日提
交給 EFC FST 會(huì )議，作為 ESAs 對會(huì )議的投入。
ESAs Risk Update: Risks Remain High in the EU Financial System (2024/4/30)
The three European Supervisory Authorities (EBA, EIOPA and ESMA - the
ESAs) today issued their Spring 2024 Joint Committee update on risks and
vulnerabilities in the EU financial system. The risk update shows that risks remain
elevated in a context of slowing growth, an uncertain interest rate environment and
ongoing geopolitical tensions.
In recent months, financial markets have performed strongly in anticipation of
potential interest rate cuts in 2024 in both the EU and the US, despite the significant
uncertainty surrounding these. This strong performance entails elevated risks of
market corrections linked to unexpected events. Credit risk is also expected to
continue to increase as refinancing needs grow, particularly for high-yield debt and
real estate. While asset quality has remained robust in the banking sector, it is
expected to deteriorate as economic growth slows further. The real estate slowdown
could also drive impairments at banks.
The insurance sector maintained solid capitalisation in 2023, with solvency ratios
well above 200%. Defined benefit occupational pension schemes improved their
financial position. The liquidity positions of insurers diminished slightly but remain
ample. Challenges stemming from subdued growth and the potential repricing of risk
premia nevertheless persist.
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