日, 보험사별 위험 반영하는데…보험硏 "K-ICS도 내부모형 도입해야"

The shift toward Economic Solvency Ratio (ESR) in Japan highlights the growing global trend of adopting risk-sensitive, asset-liability valuation models for insurance capital management. Implementing internal models is crucial for insurers to move beyond rigid standard frameworks, allowing for more precise capital allocation and enhanced resilience against market volatility.