Solvencia II nace de un proyecto cuyo plan empezó en 202 con la entrada en vigor de una nueva reforma sobre la solvencia de las aseguradoras europeas: Solvencia I.
Iniciada por la Comisión Europa, Solvencia II nace por un conjunto de factores cuyos principales puntos son: Aumento de los riesgos en la sociedad, caducidad del modelo de solvencia existente, continuidad del plan Solvencia I, adaptación a las nuevas exigencias del sector asegurador actual, gap entre realidades de mercado y sus regulaciones, abanico de regulaciones diferentes dentro de la Unión Europea, en contra del mercado único europeo, falta de estandarización, competencia ilegal entro de la Unión Europea, Necesidad de un “Basilea II” del sector asegurador……
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