2007-11-08
Added · Updated
The Central Bank of Iran issued amendments to the Regulations on the Establishment and Operation of Insurance Companies and Reinsurance Companies in 2005, modifying Articles 1 through 20. These changes establish specific capital requirements, including a 200% ratio for certain assets, and define the composition of authorized capital and net worth. The regulations also detail the procedures for establishing insurance entities, the calculation of technical reserves, and the submission of financial reports and audits to the regulator.
1
2005 MC (6) g ¥ KBEA< KD ¥K ¹ M@AB&א f א£ .Gא MY Y U KBEA< * ¶K@ k9?+ .Gא ME ¥א£] Aß h ¥£Kq h (١٠٨) £K&א h () Y?>א¹) ٢٨ (£K&א iuW<¹ ١٩٩٩ MC (٣٣) g ¥ .Gא µKB gE;C ·jK
א&K£) ١(: MC KD¥K ¹ M@AB&א f א£ .Gא MY Y U KBEA<) KBEA<א̧ X kB .MEÑYא WY#א ë KY7 V¥K h KD fB<¹ (٢٠٠٥
א&K£) ٢(: ë KÓ M88&א lK<&א KBEA<א̧ X ë £¥אjא א¥K<א¹ KBA@A ·j@ − Æ K ،iuW<¹ ١٩٩٩ MC (٣٣) g ¥ .Gא µKB gE;C ·jK h (٢) £K&א .e¤ Ð kA MCY?א µW −:lA K ¸K£ £¥אjא א¥K<א¹ KBA@K W8? KBEA<א̧ X KK= − .i µjB<&א .Gא µKB gE;C ·jK : ·jK?א .KDE l¥K%א MY7א Y U £אY&א M¹Wא : M>E9&א M¹Wא
א&K£) ٣(: MY7A Y U LA ¶W? ،KBEA<א̧ X h (٤) £K&א ë £¥¹ K K אY a − −:MEKא KKEא1/4 KCB9 MK=א̧ XÓ W<&א ¤j*w ¼K?¹ M@AB&א ¥K .MY7א g א −١ .KD¥K¹ M@AB&א f א£ MY7א ¹Y £W −٢ .i ¥K- jA:&א .Gא j −٣
2 .KD ¥K- jA:&א .Gא ¹Y −٤ .KDE iKB Y>א§ ¥KBE ×א MEאY=#א M?:C&א −− .MEKא KjA<&א¹ doKjא LA:K dY − .Y>א U> ME£¥Tא .Gא MY ¥א£] Aß ¥אY −١ apjA MYW?א M¦אj&א MCB9 Y>א U> M£K8tא º¹W#א M א¥£ −٢ .Y>א] E G ç¹Tא uא MEK&א אjCA aj&א lK&א .i MjCB&א KEu8א¹ Y>K MY7א Mu M<E Upj ·KE −٣ ..>j&א £W e¤ ë K+ Y>A lBE;Cא f@EÓא −٤ a Y>א µ¹H ¹ YW e¤ ë K+ .EEoYא .<j&א KÑG c7 −٥ h (٣٣) £K&א¶ K@T ¼K?¹ gDC f אι uH hB9 f8> ·KE h (٣١) £K&א ë KDEA ©j8C&א» ¹Y7A gD?E?! N K¹ ·jK?א aEjK .pj>&א© K Tא KÑ c7@א אX hB9· kA ،·jK?א .Y>א h .Y>א µKB T M¦uא א¥K?<א¹ אZEDK ·KE −٦ ë KDEA ©j8C&א doKjא¹ KjA<&א¹ KKEא fK ·G l: UY8 −٧ .MEq £K&א̧ X .¶K<א YW&א KDA: ºY KjA< ¹ doK¹ ¹ KKE » −٨ א&K£) ٤(: ×א MY7A ،Wj&א KKEא ºj kA ،u&א K M f? t · «Ï7 − u&א K KBEA< ¼K?¹ (٪٢٠٠) h M@AB&א ¥K KÓ Y U> LY ¥K KD Y fB W µu MCא̧ X kA MY7א` K! · kA ،KD µjB<&א .M@AB&א −:lA K M@AB&א ¥K Y>א U LA ë Y;Cא WC k אY − .Y>א kA MY7א MK¥ ºW −١ .M>E9&א M¹Wא ë .Gא µKB kA MEKYא¹ ME<Y7א MEא −٢
3 uH¹ M@AB&א ¥K KÓ Y U kA MEC>א¹ MEK&א MY7א ¥W −٣ KBEA<א¹ MB;Tא¹· jK?א¶ K@G KDאZא ºW¹ KDEA .BoK?א אι ¹א?Yא¥א א8K¥£ +?9k »KDC.
א&K£) ٥(: doKjא¹ KKEא MK@ LA:א µKB@ K K LA:א MW? MY7א¶ K<א YW&א bA − KDE ]? £jj ¹ KBEA<א̧ X h (٣) £K&א ë KDEA ©j8C&א KjA<&א¹ .LA:א gW? V¥K h YD µu e¤¹ W µu ]?Cא אX µKB@ א LA:א MW? MY7א kA< ،]? £j¹ µK ë t¹ ¼KB@ k=A LA:א Î< e¤ [@<¹ ،eX KD=EA V¥K h YD ¦¹Kt .LA:א K= V¥K kA YD M l9 f Y LA gW? KÓ ¦jä
א&K£) ٦(: (٣) £K&א ë KDEA ©j8C&א doKjא¹ KKEא aEB# LA:א µKB@ א µK ë U kA M?אj&א¶ W< ¹ M?אj&K ¸¥אY ¶K<א YW&א ¥W8 ،KBEA<א̧ X h KKEא aEB# LA:א µKB@ K MY7א bEA V¥K h YD µu Y>א .¼uA< M?אj&א¶ W µK ë ¶K<א YW&א ¥אY·j@· kA ،doKjא¹ WE g ،£K&א̧ X h () Y?>א¶ K@T ¼K?¹ Y>א U kA M?אj&א µK ë ¥jq gW? MY7א¶ KE W< e¤¹ MK=א̧ XÓ W<&א© K%א fא ë Y>א ¶j Yא KD<£¹ M>E9&א M¹Wא ë .Gא µKB M6 ¥K- ¦K h MW8 ¶K@ k9?+ MK=א̧ XÓ ¥£K8א KBEA<א¹ MB;w ¼K?¹ ¥Y?&א tWא¹ .·jK?א א&K£) ٧(: Y K&א M@AB&א ¥K KÓ Y U> M?אj kA NA8 ×א MY7א kA − KD=EA V¥K h MC kA WZ t W µu Y>א e¤ µu h KÓKB M ¥KB+ .e¤ kA M?אj&א ¥אY
4 ¦¹K t W& KD fB<א £W, · ¹ Y>א U kA M?אj&א l=A · ¶K<א YWBA − ¶K@T ¼K?¹ fB<א M ¥KB+ Y K&א¶ W µK ë MAA< K kA ïKC YD M g Æ א¤1/4 KB@ K=A M?אj&א Î< µאjTא aEè ë¹ ،£K&א̧ X h () Y?>א .£W3א £W&א µu Y>א U
א&K£) ٨(: −:lA K+ ¶KE?א M@AB&א ¥K MY7א Y kA Y;å .Y>א U> M?אj&א kA µj8$א f .Gא µKB h fB » M ¥K- − ¦Kß Ð¹ MY7א ¦K hBp a? t .Gא ¹Y h Y ¹ j » M ¥K- − .i ¥KB&
א&K£) ٩(: ¶K@ k9?+ M@AB&א ¥K KÓ Y U> M?אj kA NA8 ×א MY7א kA LÏ KKEא h » kA Y: fW< ¹ ÐE= » h ¼א¥j ¶K<א YW&א¶ u KBEA<א̧ X .Y>א U kA KK9?+ M?אj&א N1 ×א doKjא¹ KjA<&א¹
א&K£) ١٠(: −:lA K+ ¶K<א YW&א W¹Z M@AB&א ¥K Y KÓ ×א MY7א¶ ZA e¤¹ ¦K f@ Ktא KK¹ YoK%א¹¡ K¥Tא K¹ MEjB<א MEאZE&א − aYא h ¹ ·KE YD MKD ¸K8 W j ë e¤¹ MEK&א MCא h µ¹Tא aYא h ¹Y>א aEB# µ¹ hY7 YD MKD ¸K8 W j ë e¤¹ MEK&א MCא h OKא .MK=א̧ XÓ W<&א ¤KBCA ¼K?¹ ،W kA M¹£ f@ ë ]Y KK dW f h KD<אY W< MjCא c8 MEK&א KKEא − ¤KBCA ¼K?¹ ،W kA M¹£ f@ ¹Y>א aEB# ¦j1 YD MKD ¸K8 W j .MK=א̧ XÓ W<&א
5 W j ë ]Y KK dW f h KD<אY W< MjCא MEK&א KKEא − W<&א ¤KBCA ¼K?¹ ،W kA M¹£ f@ ¹Y>א aEB# «K YD MKD ¸K8 .MK=א̧ XÓ _9א MB; ]> MqK%א¹ lAY&א dEWK M?A<&א K;u&א L −£ h KDu א µK W kA M¹£ f@ ¹Y>א aEB# MEAאWא MKYא¹ lAאWא .¹Y>א̧ X µKÑ¥ fj! ) K א¤ M@AB&א ç ¼KjC M??&א Y>א¡ K¥ fj! WE> K −6 .M@AB&א h Y>א M¹Wא ë .Gא µKB kA MKYא¹ gE;Cא MD h u אY ¹ KDEj » −¹ .KDu א µK Y>א µKB G Y K Mu KÓ M>E9&א .¶K<א YW&א KDA: ºY doK¹ ¹ KjA< ¹ KKE » −¦
א&K£) ١١(: MY7א fB¹ ·jK?א¶ K@T ¼K?¹ dEWא KEAB< M@AB&א ¥K MY7א Y a9æ .Gא ME ë .>j&א¶ K; ¶K@ d:¹ ،dEWא אX kA MÏ&א K?>Cא aEè K88á¹ א¹u< M?A<&א KDC » k9?+ ¥£K8א א¥אY?א¹ KBEA<א¹ i µjB<&א א<Y XDא א8%j©.
א&K£) ١٢(: f? ¹ iKB c¹ ¹ M@AB&א ¥K KD Y ³uI LY ×א MY7א kA .< − −:lA K+ ¶K<א YW&א¶ u ،iK@ ·K@ h iA? ¹ iKB c¹ ¹ Y>א ³u kA M>E9&א M¹Wא M?אj+ −١ .W¹ · ،©j8%א אXD M¹Wא eA K<Y7 ¼K?¹ Y ç ¥Kzא¹ iK@ f? ¹ iKB c¹ ¹ Y>א ³u MEAB µj MY7א_ :Ý −٢ .e¤ kA MÏ&א
6 c¹ ¹ M@AB&א ¥K Y>א ³u WC d: ،M>E9&א M¹Wא K<Y7 K אY a − −:MEKא¶ K@Tא iKBu .MY7א ç iu W< iKאZא¹ Y>א ³j? aEè f?C −١ ) ×א MEאY=#א M?:C&א<] ë Y U> LA: ¶W?א MY7A ¦jä t −٢ t ،£K&א̧ X h () Y?>א¶ K@T ¼K?¹ iKB c¹ ¹ KDE KD Y ³u .iKB c¹ ¹ Y>א ³u V¥K h MC ¥¹Y W< ³u ¥אY ¥¹Wq W< WW .G doK¹ »G Ktא Y>א kA Y;å −٣ .iKB c¹ ¹ Y>א
א&K£) ١٣(: א¥אY?א¹ KBEA<א¹ MB;Tא¹· jK?א¶ K@ dE: M@AB&א ¥K MY7א Y ¶ZA MEC>א K88&א Kא ] KBEA< e¤ ë K+ ،KDC » k9?+ ¥£K8א ºW K<Y7 £j¹ ¶W µKë e¤¹ ،KBD µjB<&א .Gא £K ÐK< KBEA<¹ .©j8%א אXD iKB g;C M>E9&א M¹Wא
א&K£) ١٤(: −:lA K+ ¶KE?א M@AB&א f א£ KÓ Y U> LY ×א MY7א kA − .iKB T Y>א M ¥KB+ Y K&א f ¼KE: eX ¶K<א YW&א¶ u −١ e¤¹ ،Y>א h ¹ KDC ¶K<א YW&א KDA: KjA< ¹ KKE » gW? −٢ .eX ¶K<א YW&א K£Wå ×א W&א µu ¶KE W< MK=א̧ XÓ W<&א© K%א fא ë M@AB&א f א£ MY7א Y WE g − ¥£K8א KBEA<א¹ MB;Tא¶ K@T ¼K?¹ ¥Y?&א tWא¹¶ j Yא aW MY7א .·jK?א¶ K@ k9?+ MK=א̧ XÓ
א&K£) ١٥(:
7 a? t .Gא ¹Y h Y ¹ j » M ¥K- M@AB&א f א£ MY7א Y kA Y;å .i ¥KB& ¦Kß Ð¹ MY7א ¦K hBp
א&K£) ١٦(: ¶u KBEA<א̧ X ¶K@T ¼K?¹ M@AB&א f א£ KÓ ¼K Y N ×א MY7א kA LÏ MEÓא NBA ×א KjA<&א h » kA Y: fW< ¹ ÐE= » h ¼א¥j ¶K<א YW&א .Y>א e¤ U h KDj+
א&K£) ١٧(: f? ¹ iKB c¹ ¹ M@AB&א f א£ KD Y ³uI LY ×א MY7א kA .< − ¹ iKB c¹ ¹ Y>א ³u MEAB µj MY7א_ :Ý ¶K<א YW&אR u ،iK@ .e¤ kA MÏ&א ¥Kzא¹ iK@ f? M@AB&א f א£ KD Y µu h WW .G doK¹ »G Ktא MY7א kA Y;å − .iKB c¹ ¹ Y>א אX ³uI MEÓאR u W<
א&K£) ١٨(: h » ë ،iAE L: ¹ MY7א Y ³uI ¸¥אY ¥W8 · ¶K<א YWBA − −:MEKא tK$א ïKC N1 W M@AB&א ¥K MY7א Y U LA kA M?אj&א NK א¤ −١ doKjא¹ KKEא ë ¹ LA:א e¤ ë £¥¹ MEq Ð KjA< kA .i M?Y&א ë £W3א W&א µu iKB M@AB&א ¥K MY7א Y Y K Æ א¤ −٢ .KBEA<א̧ X h (٧) £K&א KK9?+ UC ×א» ¹Y7א h ¼K M@AB&א ¥K MY7א Y W? א¤ −٣ .i kA M?אj&א
8 א¥אY?א ¹ KBEA<א ¹ MB;Tא ¹· jK?א¶ K@ MY7א Y cK א¤ −٤ .KDC » k9?+ ¥£K8א .M>E9&א M¹Wא f h M@AB&א ¥K MY7א Y ³uI ¥אY ¥Wq א¤ −٥ Ð ¹ MEK ¼אYD Y7 KCא W& iKB M ¥K- h MY7א Y cj א¤ −٦ .אjC u ¦¹K t W µu MEK ¶W?א MY7A ¦jä u ،iAE L: ¹ Y>א ³uI ¼א¥אY ¶K<א YW&א ¥Wq א¤ − ³u ¥אY ¥¹Wq V¥K h .C l9 f M?:C&א<] ë KÓ Y U> LA: .iAE L: ¹ Y>א eX MY7א¶ K<א YW&א bA ،iAE L: ¹ Y>א ³uI ¥אY?א ¥¹Wq µK ë ¸XÓ W<&א© K%א fא h Y>א fE L: g¹ ،·jK?א¶ K@T ¼K?¹ .MEÓא ºW MK=א ¸X ¶K@ dE: WC l¥K%א Y>A MCK M>E9&א M¹Wא K<Y7 k אY −£ א&K.£
א&K£) ١٩(: M@AB&א f א£ KD ¹Y Kp¹ dEj KBEA<א̧ X ¶K@ ¤K> WC MY7א¶ ZA e¤¹ ،K¤K> V¥K h MC kA WZ t W µu KBEA<א̧ X ¶K@T ¼K?¹ KD¥K¹ .iAE L: ¹ Y>א ³u MAoK N!
א&K£) ٢٠(: .KBEA<א̧ X ¶K@ XE>C M¦uא א¥אY?א¶ K<א YW&א ¥W8 .Gא ME ¥א£] Aß