Sangano reEU rinofuratira zvisungo zveChibvumirano cheEU.

anonyora Dick Roche.

EU Regulation (EC) No 1049/2001 ine chinangwa chekuona kuti vagari vemuEU vanokwanisa kushandisa kodzero yavo yekuwana magwaro ese ane masangano eEU. EU Charter of Fundamental Rights inovimbisawo vagari vemuEU kodzero yeKuwana magwaro akachengetwa nemasangano eEU. Chisungo chegumi neshanu cheChibvumirano cheKushanda kweEuropean Union chinoda kuti "mahofisi emasangano eMubatanidzwa nemasangano aite basa rawo pachena sezvinobvira" uye zvakare inosimbisa kodzero yepamutemo yekuwana magwaro akabatwa neEU masangano nemaajensi.

Kunyange zvivimbiso izvi zviri pachena, rimwe sangano reEU rinokosha, European Insurance and Occupational Pensions Authority (EIOPA), rakatora kodzero yekushanda sekunge EU zvisungo zvekuvhura zvisina kumboitwa.

Mhosva mbiri dzanga dzichitamba nguva pfupi yadarika dzinoratidza kuvanzika kunoshamisa uko EIOPA inoda kuvhara mashandiro ayo.  

Nyaya yeEuroins

Musi wa2 Kukadzi 2023 iyo Romanian Financial Supervisory Authority, ASF, yakaburitsa chinoparadza chisingaperi capital capital paEuroins Romania, ichipomera capital "kushomeka kwe400 miriyoni euros maererano ne solvency capital inodiwa uye ye320 miriyoni maererano neiyo shoma capital inodiwa." Hapana kunetseka kwakadaro kwakaratidzwa muongororo yapfuura ASF. Chokwadi, muna 2019 ASF 'yakakumbira' maEuroins kuti atore City Insurance Romania hombe mota inishuwarenzi inopa iyo yaive mumatambudziko - chikumbiro icho Euroins chakaramba.

Kutevera kuburitswa kweiyo ASF chirevo kambani, chikamu cheEuroins Insurance Group (EIG), rimwe remapoka makuru akazvimirira einishuwarenzi muCentral neEastern Europe, yakatendeukira kuEIOPA ichikumbira musangano unoshamisa weiyo yakakodzera Solvency II College yeSupervisors uye yakazara. ongororo yakaitwa nenyanzvi dzakazvimirira, yemamiriro ayo emari.

EIOPA yakapindura kuti musangano weColleges of Supervisors wakatoitwa. Pamubvunzo weongororo yakazvimirira yakataura pfungwa yekuti "kutarisa kwezuva nezuva ndiko kugona uye basa revakuru vehurumende", mantra yakashandiswa kakawanda mumwedzi yakatevera.

Panzvimbo pekutora chikumbiro chewongororo yakazvimirira, EIOPA yakafunga kuita ongororo yekuseri-yakavharwa yenzvimbo yeEuroins Romania.

Zvinoshamisa kuti EIOPA haina kuzvitaura pachayo kana nhanho dzekugadzirira dzakatorwa neEIOPA kuzvigadzirira zvakaziviswa kuEuroins Romania kana neEIG.

Bulgarian Financial Supervision Commission (FSC), iyo yenyika supervisory authority yeEuroins Inishuwarenzi Boka neEuropean Bank for Reconstruction and Development (EBRD) yakasvikawo EIOPA.

FSC yakanyoresa kushushikana nezve zviito zveRomania regulator. Kupindira kwayo hakuna kwayakasvika.

EBRD - iyo muna 2021 yakaisa mari inodarika € 20 miriyoni muEIG kudzikamisa indasitiri yeinishuwarenzi yeRomania - yakaita kupindira kwakasimba.  

Bhanga rakapokana nekutaura kwekushaikwa kukuru kwemari muEuroins Romania, rakanyora chinzvimbo cheASF se "kusimuka kwakakwana" kubva munzvimbo dzakambotorwa naro, uye rakapokana nechinzvimbo chemutongi pazvibvumirano zveEuroins reinsurance. Kunyange vachisimbirira kuti pakanga pasina dambudziko remari muEuroins Romania, ERBD yakataura kuti kana dambudziko rakadaro riripo kana kuti kana mari yakawedzerwa ichidiwa matanho ekugadzirisa angadai akatorwa kugadzirisa nyaya dzose.

Nekushaikwa kwemhinduro kumaitiro ayo kubva kuEIOPA, EBRD yakagadza kambani inotungamira accounting kuti iite "kukurumidza kuongorora" chinzvimbo cheEuroins. 

Kuchengeta EU Paramende murima.

Chirevo cheEIOPA paEuroins, "Ongororo yeGross-to-net Technical Provision yeEuroins Romania muMTPL" yakapedzwa mukupera kwaKurume 2023.  

Chirevo ichi hachisati chaburitswa, zvisinei, mhedziso yakakosha yakaratidzwa, sezviri pachena netsaona mumushumo weBoard of Appeal yeEuropean Supervisory Authorities [BoA-D-2023-01 ye8 June 2023]. Ndima 12 yemushumo uyu inoti "maererano neEIOPA Report, Euroins Romania yaive nekushomeka kweiyo mambure yakanakisa fungidziro yebhizinesi reMTPL panguva yereferensi ye30 Gunyana 2022. Mukuona kweEIOPA, kushomeka kwaive pakati peEUR 550 miriyoni. uye EUR 581 miriyoni" ^[1].

Mhedziso iyoyo inosiyana zvakanyanya kubva kumishumo mitatu yeRomania ASF yakapihwa Kukadzi 2023 isati yasvika. Inotosiyana nenhamba dzakatarwa mushumo ine gakava reASF ya2 Kukadzi 2023.

Inopokanawo zvakanyanya neongororo yakazvimirira yakapihwa neERBD. Ongororo iyoyo, yakapedzwa mukati memazuva emushumo weEIOPA, yakagumisa kuti zvibvumirano zveEuroins 'reinsurance zvakasangana nezvinodiwa neSolvency II yekuendesa njodzi uye kuti Euroins Romania yakanyungudika isina mukaha wemari.  

Kubva munaKurume 2023 kusvika mavhiki ekuvhara e9^th EU Paramende mibvunzo yakaturwa pamusoro penyaya yeEuroins yakatemwa nematombo neKomisheni. Mhinduro kuPQs dzaive dziviriro, dzinonzvenga, dzaitsausa, uye dzisingaite.

Komisheni yakatadza kupindura mibvunzo pamusoro pekwakabva data yakashandiswa neEIOPA mukugadzirira chirevo chayo, kana kutadza kweEIOPA kubvunzana neEuroins mukugadzirira kwayo. Pavakakumbirwa neMEPs kuti vaongorore vakazvimirira chirevo cheEIOPA, Komisheni yakapindura kuti "haina kuwana humbowo hwekukanganisa zvine chekuita nekugadzirira kana zvirimo mushumo weEIOPA".

Musi wa4 Kubvumbi 2024 - senguva ye9^th EU Paramende yaipedzisa - Komisheni yakabvuma mukupindura PQ [E-000592/2024] kuti mushumo weEIOPA hauna "kugovaniswa" nawo. Komisheni yanga ichigadzira mhinduro kuPQs pamushumo wayakanga isati yamboona.

EIOPA Inorova Zvakare

Muenzaniso wechipiri weEIOPA wekusada kuvhurika kana kubuda pachena unoonekwa mune imwe nyaya inosanganisira NOVIS kambani yeinishuwarenzi yehupenyu yakavambwa muSlovakia uye inopa masevhisi munyika dzinoverengeka dzeEU.

Muna Chikumi 2023 mutungamiriri wenyika yeSlovakian Národná Banka Slovenska (NBS) akabvisa mvumo yeNOVIS kushanda.

EIOPA neKomisheni vaive - vachipesana nemantra yekuti "kutarisisa kwezuva nezuva ndiko kugona uye basa revakuru vehurumende" rinoitwa kakawanda muchiitiko cheEuroins - chakanangana nekutyaira sarudzo.  

Muna Chivabvu 2022 EIOPA yakagumisa kuti mashandiro eNOVIS akange asingaenderane neSolvency II uye kuti NBS yakanga yatadza kutora matanho anodiwa ekugadzirisa. MunaGunyana Komisheni, ichitsigira chinzvimbo chakatorwa neEIOPA, yaida kuti NBS "inyatso kutevedzera zvirevo zveSolvency II"

NOVIS akapikisa danho rekubvisa mvumo mumatare. Yakaisawo chikumbiro kuEIOPA pasi peRegulation 1049/2001 ichikumbira kuwana magwaro ane chekuita nenyaya iyi.

Ichitaura maitiro ayo munyaya yeEuroins, EIOPA, iyo yakanga yaona zvinyorwa zvipfumbamwe zvine chokuita nechikumbiro cheNOVIS, yakaramba kuwana magwaro ose. Yakapokana kuti kuramba kupinda kwaidiwa kuti "dzivirirwe kutongwa kwematare", dziviriro ye "kuongorora, kuferefeta uye kuongororwa" uye nekudzivirira kwayo kuita sarudzo - dudziro itsva yezvisungo zveEU Chibvumirano icho masangano eEU " kuita basa ravo pachena sezvinobvira”.

NOVIS yakakwidza nyaya yekuramba kuBhodi yeAppeal yeEuropean Supervisory Authorities (BoA). Bhodhi rakagumisa kuti pamagwaro maviri pamapfumbamwe raakaona seakakodzera “dudziro yeEIOPA yekusawanikwa kweveruzhinji uye yekusungirwa kwekuvanzika kwehunyanzvi kwakanyanyisa”.

Panyaya yemamwe magwaro, BoA yakaona kuti kunyange “panogona kunge paine chikonzero chakanaka chekuramba kuwana” inyaya yekuti EIOPA “iongorore kuti kusvika papi paifanira kupihwa mukana wekuwana”.

Pahwaro hwepfungwa idzi, Bhodhi rakasarudza kubvumidza kukwidzwa uye rakadzosera nyaya kuEIOPA "kuti igamuchire mutongo wakagadziridzwa". EIOPA ichiri kupindura kune izvi.

Kuparidza Kubudirana pachena asi Kusazviita.

Zvisungo zveEU mukuvhurika uye pachena zvinopikiswa zvakananga nemaitiro eEIOPA muEuroins uye NOVIS kesi. Mhosva mbiri idzi dzinoratidza kusada kunoshamisa kwesangano rakakosha reEU kushanda nechero chinhu chiri kuuya pachena.

Muzviitiko zvese izvi, EIOPA yakabvumidzwa kudzivirira sarudzo dzakakosha kubva mukuongororwa neveruzhinji uye nekuongorora veruzhinji. Makambani akabatwa zvakananga nezvisarudzo zvakatorwa akanyimwa kuwana ongororo iyo yakatsigira sarudzo dzevakuru nenzira yakaoma kufungidzira kushivirirwa nesangano renyika muEU Member State.

Munyaya yeEuroins kwete chete kuti EIOPA yakatenderwa kushanda nekushaikwa kwekujeka, asi Komisheni yeEU yakaenda kune hurefu hunokatyamadza kuvhiringidza kuedza kweMEPs kuunza kujeka kunyaya.    

Mhosva mbiri idzi dzinonongedzera kuchimbichimbi chekuongorora kuti EIOPA yakatenderwa sei kunyatsozvisarudzira misimboti yainoshanda pairi pasina kuongororwa kunoshanda.   

  [1] Sezvineiwo iyo isina-yakadzokororwa vhezheni yaJune 2023 BoD shumo iyo yakatanga kuiswa kuinternet yakazotsiviwa neshanduro yemushumo umo ndima 12 uye chikamu chakakosha chendima 14 zvakadzokororwa.

Dick Roche aimbova Gurukota reIrish reEuropean Affairs uye aimbove Gurukota rezvezvakatipoteredza.

Mufananidzo ne Christian Lue on Unsplash

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