Kana Brussels yaita mhirizhonga: Vanhu vanogara vachibhadhara

Zvibvumirano zvakavakirwa European Union zvinoda kuti masangano eEU ashande pachena uye pedyo nepedyo nevagari veEU. Semuenzaniso, EU Charter of Fundamental Rights neChibvumirano cheKushanda kweEuropean Union, zvinobvuma kodzero huru yevagari veEU yekuwana magwaro eEU. EU Regulation 1049/2001 inofanirwa kushandura zvisungo zveEU zvekujekesa kuita chokwadi uye Paramende yeEU, senzvimbo yega yeEU yakasarudzwa zvakananga nevagari veEU padanho reEU, ine basa rekutarisira nekuzvidavirira mukati meUnion, anonyora Siebert Droese MEP, nhengo yeKomiti yeParamende yeEU yezvehupfumi nezvemari 

Zvisinei, pane musiyano uripo pakati pepfungwa yekuti EU inofanira kujeka uye kuti zvinhu zviitike sei. Musiyano iwoyo unoratidzwa zvakajeka nenyaya yeEuroins Romania iyo nhengo dzeParamende yeEurope (MEPs), dzave dzichitevera kwemakore.

Nyaya iyi inoratidzawo kusarangwa kuri kuitirwa masangano eEU, kuti achasvika papi pakuvharidzira kukundikana, kupindwa kwavo muropa nekuchengetedza zvakavanzika, kusaremekedza kwavo kuzvidavirira kwedemocracy uye chokwadi chinorwadza chekuti, kana vakundikana, vagari vemuEurope vanosara vachitamba.

Musi wa28 Kurume 2023, EIOPA, sangano reEU rakavambwa kuti rive nechokwadi chekuti mitemo yakarongeka muzvikamu zveinishuwarenzi nepenjeni yebasa reEU, rakaburitsa mushumo unoti "Kuongororwa kweGross-to-net Technical Provision yeEuroins Romania muMTPL."

Mumuenzaniso unoshamisa wekutaura kaviri kuri chiratidzo chehurongwa hweEU, EIOPA yakati ongororo iyi "chinhu chakakosha cheveruzhinji" mumushumo wayo wa2024 pamusoro pemabasa ayo muna 2023. "Chinhu ichi cheveruzhinji", zvisina musoro, hachina kuburitswa pachena. Hachina kuburitswa pachakapedzwa, uye hachina kupihwa kune maEuroins.

Nerutsigiro rweEU Commission, EIOPA yakabvumirwa kuchengetedza mushumo uyu wakavanzika kwemakore matatu kubva kuNhengo dzeParamende yeEU. Mibvunzo pamusoro pemushumo wakaunzwa neNhengo dzeParamende kubva kumativi ese ezvematongerwo enyika yakashorwa. Mhinduro dzemibvunzo dzaive dzisina basa uye dzimwe nguva dzaive dzisina kuvimbika. Mhinduro dzakapihwa mushure memwedzi yakanonoka.

Zvakabuda pachena kuti Dare reParamende reEurope harina kungoziviswa nezvemushumo uyu chete asi kuti mushumo wacho hauna kugoverwa neDare reEU. Izvi zvinoreva kuti Komisheni iyi yanga ichipindura mibvunzo kwemakore anopfuura maviri pamusoro pemushumo waisina kuona - chinzvimbo chisingazotenderwi mune chero nhengo yeParamende yeNyika inozviremekedza.

Kumashure

Muna 2019, Romanian Financial Supervisory Authority, ASF, yakakumbira kuti Euroins Romania - chikamu cheEuroins Insurance Group (EIG) iri muBulgaria, imwe yemakambani makuru einishuwarenzi akazvimiririra muCentral, Eastern, uye Southeastern Europe - itore City Insurance, iyo panguva iyoyo yaive kambani hombe yeinishuwarenzi yemotokari muRomania. Euroins yainzwa sekuti City yakanga yabhuroka uye yakaramba kushanda. City Insurance yakavharwa muna 2021.

Kuramba kutevedzera chikumbiro cheASF hakuna kufadza. Kwakazotevera mushandirapamwe usingaperi apo ASF yakaisa maEuroin zvirango zvakawanda uye faindi. Mushandirapamwe uyu wakaguma muna Kukadzi 2023 apo ASF yakaburitsa mushumo uchiti maEuroin Romania akakundikana kuzadzisa zvinodiwa zvekubhadhara mari uye zvemari. Hapana kunetseka kwakadaro kwakataurwa muongororo dzekare dzeASF, imwe yacho yakanga yaburitswa mwedzi mina chete yapfuura.

MaEuroins akaenda kuEIOPA achikumbira kuti igadze timu yenyanzvi kuti iite ongororo yakazvimirira - ichitungamirirwa neEIOPA - yezvaipomerwa neASF. Chikumbiro ichocho chakatsigirwa neBulgaria's Financial Supervision Commission (FSC) pamwe neEuropean Bank for Reconstruction and Development (EBRD). EIOPA yakaramba kugamuchira chikumbiro ichi.

Kuramba kweEIOPA chikumbiro chakatsigirwa zvakasimba neEBRD kunoshamisa. EBRD, imwe yemakambani makuru anoisa mari muRomania yakanga yaisa €30 miriyoni muEIG muna 2021 nechinangwa che "kudzikamisa chikamu cheinishuwarenzi (cheRomania). Isati yaisa mari, EBRD yakagadza vaongorori vakuru vekuGerman nenyanzvi dzeinishuwarenzi kuti vaite ongororo yekuongorora maEuroin. Mukutaurirana kwayo neEIOPA, EBRD yakaratidza kuti kuongorora kwacho kwaisaratidza dambudziko remari muEuroin Romania. EBRD yakati kana paine dambudziko kana mari yekuwedzera ichidiwa, nyaya dzese dziri mbiri dzaizogadziriswa.

Mushure mekusarudza kuita ongororo yemukati, EIOPA yakasarudza kusabvisa maEuroin muongororo. Zvinoshamisa kuti mushumo wacho pawakapedzwa, maEuroin akarambidzwa kupinda nekuti waive wakavanzika uye EIOPA yaisungirwa 'nebasa rayo rekuvanzika kwehunyanzvi'.

Kutonga kusina mubvunzo uye mitemo miviri

Kunyange hazvo maEuroin asina kuburitswa, ASF yakabatanidzwa padanho rega rega mukugadzirira ongororo yeEIOPA. ASF yakapa zvinhu zvakashandiswa pakuongorora kwacho. ASF yakawana mukana wakazara wekuwana mushumo uyu pawakanga uchipedziswa. Yakashandisa zvisizvo mukana iwoyo, ichiburitsa zvikamu zvaitsigira maonero ayo kune vezvenhau vekuRomania. Kuburitswa uku kwakateverwa nemusangano weveruzhinji umo director weASF akatsanangura zvakawanikwa mumushumo weEIOPA. EIOPA haina kutora matanho everuzhinji pamusoro pechibvumirano ichi.

EIOPA yakapawo ASF mvumo yekushandisa zvinhu zviri mumushumo wayo muBucharest Court iyo yainzwa nyaya yekukwidzwa kwenyaya kubva kuEuroins ichipikisa kubviswa kwerezenisi rayo rekushanda, chisarudzo chakatadzisa kambani iyi kudzivirira chinzvimbo chayo panguva yekutongwa kwakakosha kwedare.

Vanyura mumatambudziko

Nekuita sezvayakaita, EIOPA yakazviisa mumaoko eASF, kambani ine nhoroondo yakakanganisika zvikuru yave ichikanganiswa nekukundikana kwekushanda uye zvinyadzi kubva payakavambwa. Muna 2014, gore rakatevera kuumbwa kwayo, kambani iyi yakatsoropodzwa zvikuru mushure mekudonha kwekambani yeHarinvest brokerage. Gore rakatevera, yaive pamusoro pekudonha kweAstra Asigurări, kambani huru yeinishuwarenzi. Muna 2016, Carpatica Asig, imwe kambani yeinishuwarenzi inokosha yakadonha. Izvi zvakateverwa nekudonha kweCity Insurance muna 2021. Vatsoropodzi vakataura kuti ASF yakabvumira City kushanda kwemakore kunyangwe paine kusasimba kwaioneka kweveruzhinji.

Pasina gore mushure mekugadzwa kwake, Mutungamiri wekutanga weASF akasungwa nemhosva dzakawanda dzinosanganisira mhosva dzekutengesa simba uye kutsigira boka revapari vemhosva. Mhosva idzi dzakazorambwa gare gare. Kugadzwa kweMutungamiri wechipiri weASF kwakabviswa neParamende yeRomania.

Kurwiswa kwerusarura, kugadzwa kwevashandi vezvematongerwo enyika, mihoro yakakwira, kubhadharwa mari yakawanda yebhonasi kuvashandi vakuru uye mari yakawanda yave chimwe chinhu chiri kuitika munhoroondo yeASF. Vakuru veASF vakapomerwawo mhosva yekubatana ne'mabhuroko' ekugadzira mota ane huwori hwakakonzera nyonganyonga yakawanda muindasitiri yeinishuwarenzi yemotokari muRomania.

Chirevo chakavanzika cheEIOPA chakafumurwa

Musi wa20 Kurume 2026, makore matatu mushure mekupedzwa kwayo, EIOPA yakaisa ongororo yayo yeEuroins pawebhusaiti yayo. Hapana tsananguro yakapihwa yekunonoka kwemakore matatu kuburitsa mushumo uyu.

Kuverengwa kwemushumo uyu kwakadzama kunomutsa mibvunzo pamusoro penyaya mbiri dzakakosha: ongororo yawo yezvirongwa zveinshuwarisi yeEuroins - chinhu chikuru chiri kukakavadzana pakati peASF neEuroins - uye ongororo yawo yezvemitemo yehunyanzvi / mutoro weinishuwarenzi.

Sezvinowanzoitika muEU yese, Euroins Romania yaishanda nechikamu chemari, rudzi rwe reinsurance inoenzana, yakanangana nekuderedza njodzi. Kushanda kwezvibvumirano zve reinsurance zveEuroins kwakasimbiswa neongororo yakaitwa neASF neEIOPA muna 2021.

Mazuva mashoma isati yatanga danho rayo rekurwisa Euroins Romania muna Kukadzi 2023, ASF yakachinja zvakanyanya maonero ayo pamusoro peinishuwarenzi. Yakasarudza kuti gadziriro dzakadaro hadzichagamuchirwi. ASF yakachinja mutemo uyu pasina kubvunzana kana nguva yekuchinja. Chaizvoizvo, ASF yakadzokorora mitemo yeinishuwarenzi zvakare - kutyorwa kwemitemo yeEU iyo inowanzo rambidza kushandiswa kwemitemo yekare kana yekare.

MaEuroins akatora matanho nekukurumidza ekugadzirisa hurongwa hwavo hweinishuwarenzi kuti huenderane nemutemo weASF wakagadziridzwa; zvavakaita hazvina kuteererwa.

EIOPA - iyo yagara ichishora mugove wechikamu kwenguva refu - yakasarudza kufuratira chokwadi chekuti shanduko yeASF ye reinsurance policy yakatangwa mushure mekubvunzana kana nguva yekuchinja. Izvi zvakakanganisa kuongororwa kweEIOPA kweEuroins Romania, zvakaenzana nekusakosha kwezvinhu zvayo kweEUR 250 neEUR 300 miriyoni.

Handizvo chete zvakakanganiswa muongororo yeEIOPA. Pasi pemitemo yeRomania, kunonoka kugadziriswa kwezvikumbiro zvinopfuura mazuva makumi matatu kwaikonzera chirango che0.02% pazuva - zvakaenzana ne73% pagore, muripo wakakosha zvikuru kune veinishuwarenzi vasina kuzadzisa zvinangwa zvekugadzirisa. Muna 2021, Euroins Romania yakatora avhareji yemazuva makumi matatu nemashanu kugadzirisa chikumbiro. Pakazosvika Chirimo cha2023 avhareji yekukumbira yakanga yagadziriswa mumazuva manomwe. Data rakashandiswa neEIOPA hariratidzi kuvandudzika uku kunoshamisa. Nekuda kweizvozvo, ongororo yeEIOPA inokundikana kutsanangura kuchengetedza kwemamiriyoni emamiriyoni emamiriyoni emadhora, zvichikanganisa zvakare ongororo yayo zvakanyanya.

Vanotsoropodza ongororo yeEIOPA vanotaurawo kuti mumakore matatu apfuura kubva pakamanikidzwa kuvharwa kweEuroins Romania, data rine chekuita nezvikumbiro zveinishuwarenzi rakagadziriswa rinoratidza zvakasimba kuti nhamba dziri muongororo yeEIOPA yaKurume 2023 dzakanga dzisina kunyatsojeka uye kuti zvibvumirano zvakaitwa kusvika pari zvino zvinoenderana zvakanyanya nefungidziro dzeEuroins Romania muna 2023 kupfuura ongororo yeEIOPA.

Kuzvidavirira kushoma, migumisiro yakawanda

Chisarudzo chekubvisa rezenisi rekushanda kweEuroins Romania chakauya nemari chaiyo. Mamiriyoni evaridzi veinishuwarenzi nevanogovana masheya vakakanganiswa, vashandi vakarasikirwa nemabasa avo. Romania's Insurance Guarantee Fund, yakatotapudzwa nekuda kwekukundikana kwemakambani akawanda einishuwarenzi, yakatowedzera kuwedzeredzwa. Kubuda kweEuroins kwakarevawo makwikwi mashoma, zvichikonzera kukwira kwemitengo yeinishuwarenzi. Kuedza kweRomania kudzikamisa nekumisa mari yeinishuwarenzi yemotokari yevamwe vanhu kwakava nematambudziko.

Pane imwe mari yakawanda inogona kubhadharwa. Eurohold Bulgaria AD neEuroins Insurance Group (EIG) vakatanga kutonga nyaya dzeRomania kuInternational Centre for Settlement of Investment Disputes vachida mari inodarika €500 miriyoni muna Chikumi 2024. Muna Mbudzi gore rapera, ICSID yakaramba chikumbiro cheHurumende yeRomania chekumisa kutonga nyaya dzenyaya dzenyaya dzenyaya dzenyaya, uye nyaya iyi iri kuenderera mberi nekugadziriswa kwacho kungave kwasvika kumagumo a2027.

Nyaya yeEuroins inoratidza kuti kana masangano eEU akakundikana, veruzhinji vanotanga kuiteerera. Kunyange zvazvo EU ichiparidza nezvekujeka, Komisheni nemasangano anotarisira EU vanozviona sevasingakosheswi uye vanonzwa vaine ushingi hwekudzivirira kuedza kweParamende yeEU kuongorora.

Mibvunzo mikuru pamusoro pekuzvidavirira ikozvino yakapoteredza sangano rakapfeka banner hombe rekuti "Democracy" pamuzinda waro muBrussels. Kusaremekedza kunonyadzisa kwakaratidzwa nhengo dzeParamende yeEU - vanhu vanorayirwa nevagari vemuEurope kuti vamiririre zvido zvavo uye vatange kuferefeta panzvimbo yavo - kunoita kuti pave nemubvunzo wekuti: Komisheni inodudzira sei shoko iroro?

Siebert Droese MEP inhengo yeKomiti yeParamende yeEU yezvehupfumi nezvemari 

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