{"id":74922,"date":"2017-10-30T22:23:06","date_gmt":"2017-10-30T22:23:06","guid":{"rendered":"http:\/\/informativoaldia.com\/v2\/?p=74922"},"modified":"2017-10-30T22:23:06","modified_gmt":"2017-10-30T22:23:06","slug":"feller-rate-sube-a-bbb-la-calificacion-de-riesgo-de-las-obligaciones-de-general-de-seguros","status":"publish","type":"post","link":"https:\/\/informativoaldia.com\/?p=74922","title":{"rendered":"Feller Rate sube a \u00abBBB\u00bb la calificaci\u00f3n de riesgo de las obligaciones de General de Seguros"},"content":{"rendered":"<p class=\"m_6690568005184076650gmail-m_-4864317940126854194gmail-m_-2145435475363821095gmail-MsoNoSpacing\"><span lang=\"EN-US\"><strong>Santo Domingo<\/strong>.-\u00a0<\/span><span lang=\"EN-US\">Feller\u00a0Rate\u00a0s<wbr \/>ubi\u00f3\u00a0de\u00a0\u00abBB+\u00bb a\u00a0\u00abBBB\u00bb\u00a0lacalificaci\u00f3n asignada\u00a0a la capacidad\u00a0de\u00a0pago\u00a0de\u00a0las\u00a0oblig<wbr \/>aciones de seguros\u00a0de\u00a0General\u00a0de\u00a0Seguros\u00a0<wbr \/>S.A. Las\u00a0perspectivas de la calificaci\u00f3n\u00a0se\u00a0mantienen\u00a0\u00abest<wbr \/>ables\u00bb.<\/span><\/p>\n<p class=\"m_6690568005184076650gmail-m_-4864317940126854194gmail-m_-2145435475363821095gmail-MsoNoSpacing\"><span lang=\"EN-US\">\u00a0<\/span><span lang=\"EN-US\">El alza\u00a0<\/span><span lang=\"EN-US\">de\u00a0<\/span><span lang=\"EN-US\">la clasificaci\u00f3n\u00a0asignada\u00a0a General\u00a0de\u00a0Seguros\u00a0S.A.\u00a0se\u00a0sus<wbr \/>tenta\u00a0en\u00a0su\u00a0creciente posici\u00f3n\u00a0de\u00a0mercado, satisfactoriacapacidad\u00a0operaci<wbr \/>onal\u00a0y\u00a0de\u00a0administraci\u00f3n de\u00a0negocios,\u00a0suficientes niveles de\u00a0solvencia\u00a0patrimonial y\u00a0un\u00a0programa de reaseguros\u00a0coherente\u00a0con sus\u00a0necesidades\u00a0de\u00a0protecci\u00f3n.<wbr \/>\u00a0En\u00a0contraposici\u00f3n,\u00a0una\u00a0propor<wbr \/>ci\u00f3n\u00a0relevante\u00a0de su\u00a0cartera\u00a0denegocios\u00a0manifies<wbr \/>ta\u00a0exposici\u00f3n\u00a0a\u00a0riesgos\u00a0de\u00a0ren<wbr \/>ovaci\u00f3n,\u00a0reflejando la\u00a0necesidad\u00a0de seguir fortaleciendo\u00a0su\u00a0suscripci\u00f3n\u00a0y diversificaci\u00f3n\u00a0de\u00a0negocios.<\/span><\/p>\n<p class=\"m_6690568005184076650gmail-m_-4864317940126854194gmail-m_-2145435475363821095gmail-MsoNoSpacing\"><span lang=\"EN-US\">\u00a0<\/span><span lang=\"EN-US\">La\u00a0<\/span><span lang=\"EN-US\">aseguradora\u00a0<\/span><span lang=\"EN-US\">pertenece a\u00a0Castillo Holding Co.,\u00a0inversionista\u00a0presente\u00a0en diversas\u00a0instituciones\u00a0financi<wbr \/>eras\u00a0de\u00a0la regi\u00f3n ydel pa\u00eds.\u00a0El\u00a0importante\u00a0compromiso de\u00a0sus\u00a0accionistas, la experiencia\u00a0de\u00a0la administraci\u00f3n y\u00a0un\u00a0perfil\u00a0financiero en\u00a0procesode\u00a0consolidaci\u00f3n dan respaldo\u00a0a\u00a0su\u00a0estrategia,\u00a0cohe<wbr \/>rente\u00a0con\u00a0el\u00a0modelo\u00a0de\u00a0negocio<wbr \/>s\u00a0que\u00a0el\u00a0mercado manifiesta.<\/span><\/p>\n<p class=\"m_6690568005184076650gmail-m_-4864317940126854194gmail-m_-2145435475363821095gmail-MsoNoSpacing\"><span lang=\"EN-US\">\u00a0<\/span><span lang=\"EN-US\">A\u00f1o\u00a0<\/span><span lang=\"EN-US\">a\u00a0a\u00f1o\u00a0su\u00a0participaci\u00f3n\u00a0de\u00a0<wbr \/>mercado\u00a0ha\u00a0estado\u00a0aumentando,\u00a0<wbr \/>logrando desde\u00a02012\u00a0cuadruplicar\u00a0sus\u00a0in<wbr \/>gresos incorporandonuevos\u00a0segmentos.\u00a0<wbr \/>As\u00ed,\u00a0en\u00a0el\u00a0segmento\u00a0de\u00a0asegura<wbr \/>doras medianas\u00a0ha\u00a0alcanzado\u00a0una fuerte\u00a0posici\u00f3n.\u00a0Hist\u00f3ricament<wbr \/>e,\u00a0suportafolio\u00a0de\u00a0seguros se orientaba\u00a0a\u00a0veh\u00edculos\u00a0motor,\u00a0i<wbr \/>ncendio, fianzas\u00a0y casco. A\u00a0partir\u00a0de\u00a02015,\u00a0se\u00a0expandi\u00f3\u00a0<wbr \/>al rubro\u00a0deseguros\u00a0colectivos\u00a0de vida\u00a0y\u00a0salud, incluyendo distribuci\u00f3n masiva.<\/span><\/p>\n<p class=\"m_6690568005184076650gmail-m_-4864317940126854194gmail-m_-2145435475363821095gmail-MsoNoSpacing\"><span lang=\"EN-US\">\u00a0<\/span><span lang=\"EN-US\">La<\/span><span lang=\"EN-US\">\u00a0<\/span><span lang=\"EN-US\">presencia<\/span><span lang=\"EN-US\">\u00a0<\/span><span lang=\"EN-US\">de<\/span><span lang=\"EN-US\">\u00a0<\/span><span lang=\"EN-US\">capitales<\/span><span lang=\"EN-US\">\u00a0<\/span><span lang=\"EN-US\">aseg<wbr \/>urados\u00a0de\u00a0cierta\u00a0envergadura,\u00a0<wbr \/>adem\u00e1s\u00a0del\u00a0riesgo\u00a0de\u00a0c\u00famulos,\u00a0<wbr \/>requiere\u00a0de\u00a0apoyo\u00a0delreaseguro<wbr \/>,\u00a0regulado\u00a0por las\u00a0normas\u00a0de\u00a0retenci\u00f3n\u00a0de\u00a0la\u00a0<wbr \/>ley\u00a0146-02.\u00a0General\u00a0de\u00a0Seguros<wbr \/>\u00a0dispone\u00a0de\u00a0protecci\u00f3n\u00a0proporc<wbr \/>ional\u00a0yde\u00a0exceso\u00a0de\u00a0p\u00e9rdida\u00a0pa<wbr \/>ra\u00a0su\u00a0cartera\u00a0de\u00a0seguros\u00a0a la propiedad, adem\u00e1s de\u00a0facultativa\u00a0proporcional\u00a0pa<wbr \/>ra\u00a0su\u00a0cartera colectivade\u00a0vida\/salud.\u00a0Asimis<wbr \/>mo,\u00a0cuenta\u00a0con el\u00a0apoyo\u00a0de\u00a0reaseguradores\u00a0que participan activamente en el mercado local y centroamericano, esper\u00e1ndose\u00a0que\u00a0la aseguradora\u00a0mantenga\u00a0una\u00a0carte<wbr \/>ra\u00a0de\u00a0reaseguradores\u00a0coherente<wbr \/>\u00a0con\u00a0su\u00a0clasificaci\u00f3n.<\/span><\/p>\n<p class=\"m_6690568005184076650gmail-m_-4864317940126854194gmail-m_-2145435475363821095gmail-MsoNoSpacing\"><span lang=\"EN-US\">\u00a0<\/span><span lang=\"EN-US\">El retorno\u00a0<\/span><span lang=\"EN-US\">patrimonial\u00a0<\/span><span lang=\"EN-US\">de\u00a0<\/span><span lang=\"EN-US\">la aseguradora\u00a0ha\u00a0mejorado, en\u00a0buena medida apoyado\u00a0por\u00a0los\u00a0importantes retornos t\u00e9cnicos\u00a0dela\u00a0cartera\u00a0de\u00a0segur<wbr \/>os colectivos\u00a0de\u00a0vida (que representa\u00a0casi\u00a0un\u00a050%\u00a0de\u00a0las\u00a0<wbr \/>ventas\u00a0del\u00a0a\u00f1o).\u00a0Su\u00a0siniestral<wbr \/>idad\u00a0ha\u00a0sido\u00a0muy inferior\u00a0a la proyectada,\u00a0previ\u00e9ndose\u00a0una\u00a0po<wbr \/>sible correcci\u00f3n futura.<\/span><\/p>\n<p class=\"m_6690568005184076650gmail-m_-4864317940126854194gmail-m_-2145435475363821095gmail-MsoNoSpacing\"><span lang=\"EN-US\">\u00a0<\/span><span lang=\"EN-US\">A diciembre\u00a0de\u00a02016,\u00a0los\u00a0diverso<wbr \/>s \u00edndices\u00a0de\u00a0solvencia evidencian la\u00a0etapa\u00a0de\u00a0crecimiento\u00a0de\u00a0car<wbr \/>tera\u00a0y la\u00a0alta\u00a0dependencia asus\u00a0primas y\u00a0documentos\u00a0por\u00a0cobrar.\u00a0El\u00a0\u00edn<wbr \/>dice\u00a0de\u00a0solvencia\u00a0(PTA\/MSMR)\u00a0a<wbr \/>lcanz\u00f3\u00a0a\u00a01,25\u00a0veces\u00a0(2,48\u00a0para<wbr \/>\u00a0la\u00a0industria),\u00a0y\u00a0suliquidez,\u00a0<wbr \/>a\u00a01,24\u00a0veces\u00a0(1,56\u00a0a\u00a0nivel\u00a0de\u00a0<wbr \/>mercado).<\/span><\/p>\n<p class=\"m_6690568005184076650gmail-m_-4864317940126854194gmail-m_-2145435475363821095gmail-MsoNoSpacing\"><span lang=\"EN-US\">\u00a0<\/span><span lang=\"EN-US\">El<\/span><span lang=\"EN-US\">\u00a0<\/span><span lang=\"EN-US\">respaldo<\/span><span lang=\"EN-US\">\u00a0<\/span><span lang=\"EN-US\">de\u00a0inversi\u00f3n\u00a0de\u00a0la<wbr \/>s\u00a0reservas\u00a0es\u00a0satisfactorio,\u00a0d<wbr \/>isponiendo\u00a0de\u00a0una\u00a0cartera\u00a0por\u00a0<wbr \/>RD$300\u00a0millones\u00a0y\u00a0excedentes\u00a0p<wbr \/>orRD$56\u00a0millones.\u00a0La\u00a0calidad\u00a0c<wbr \/>rediticia\u00a0de\u00a0la\u00a0cartera\u00a0es\u00a0coh<wbr \/>erente\u00a0con\u00a0el\u00a0perfil\u00a0creditici<wbr \/>o\u00a0de\u00a0General\u00a0de\u00a0Seguros.\u00a0Los\u00a0e<wbr \/>xcesos\u00a0deinversi\u00f3n\u00a0de\u00a0a\u00f1os\u00a0ant<wbr \/>eriores\u00a0han\u00a0sido\u00a0reemplazados\u00a0<wbr \/>por\u00a0activos\u00a0representativos,\u00a0m<wbr \/>ejorando\u00a0as\u00ed\u00a0la\u00a0cobertura\u00a0de\u00a0s<wbr \/>usobligaciones.<\/span><\/p>\n<p class=\"m_6690568005184076650gmail-m_-4864317940126854194gmail-m_-2145435475363821095gmail-MsoNoSpacing\"><span lang=\"EN-US\">\u00a0<\/span><span lang=\"EN-US\">La industria\u00a0<\/span><span lang=\"EN-US\">de\u00a0<\/span><span lang=\"EN-US\">seguros\u00a0<\/span><span lang=\"EN-US\">de\u00a0<\/span><span lang=\"EN-US\">Rep\u00fabl<wbr \/>ica\u00a0<\/span><span lang=\"EN-US\">Dominicana\u00a0se\u00a0desempe\u00f1a en\u00a0un\u00a0ambiente regulado\u00a0por una ley marco\u00a0(ley\u00a0146-02),que\u00a0control<wbr \/>a\u00a0la\u00a0solvencia\u00a0en\u00a0base\u00a0a\u00a0medic<wbr \/>iones\u00a0trimestrales\u00a0de\u00a0las\u00a0cobe<wbr \/>rturas\u00a0de\u00a0patrimonio t\u00e9cnico ajustado,\u00a0de\u00a0liquidezm\u00ednima requerida\u00a0y\u00a0de\u00a0diversificaci\u00f3n<wbr \/>\u00a0de\u00a0inversiones\u00a0de\u00a0respaldo\u00a0de<wbr \/>\u00a0las\u00a0reservas.\u00a0Conforme\u00a0a\u00a0ese\u00a0<wbr \/>marco, entre otrosaspectos\u00a0relevantes,\u00a0la\u00a0S<wbr \/>uperintendencia controla\u00a0y\u00a0autoriza\u00a0la operaci\u00f3n\u00a0de\u00a0nuevas\u00a0asegurador<wbr \/>as,\u00a0las\u00a0transferencias\u00a0depropi<wbr \/>edad y\u00a0los\u00a0reaseguradores\u00a0utilizado<wbr \/>s.<\/span><\/p>\n<p class=\"m_6690568005184076650gmail-m_-4864317940126854194gmail-m_-2145435475363821095gmail-MsoNoSpacing\"><span lang=\"EN-US\">\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Santo Domingo.-\u00a0Feller\u00a0Rate\u00a0subi\u00f3\u00a0de\u00a0\u00abBB+\u00bb a\u00a0\u00abBBB\u00bb\u00a0lacalificaci\u00f3n asignada\u00a0a la capacidad\u00a0de\u00a0pago\u00a0de\u00a0las\u00a0obligaciones de seguros\u00a0de\u00a0General\u00a0de\u00a0Seguros\u00a0S.A. Las\u00a0perspectivas de la calificaci\u00f3n\u00a0se\u00a0mantienen\u00a0\u00abestables\u00bb. \u00a0El alza\u00a0de\u00a0la clasificaci\u00f3n\u00a0asignada\u00a0a General\u00a0de\u00a0Seguros\u00a0S.A.\u00a0se\u00a0sustenta\u00a0en\u00a0su\u00a0creciente posici\u00f3n\u00a0de\u00a0mercado, satisfactoriacapacidad\u00a0operacional\u00a0y\u00a0de\u00a0administraci\u00f3n de\u00a0negocios,\u00a0suficientes niveles de\u00a0solvencia\u00a0patrimonial y\u00a0un\u00a0programa de reaseguros\u00a0coherente\u00a0con sus\u00a0necesidades\u00a0de\u00a0protecci\u00f3n.\u00a0En\u00a0contraposici\u00f3n,\u00a0una\u00a0proporci\u00f3n\u00a0relevante\u00a0de su\u00a0cartera\u00a0denegocios\u00a0manifiesta\u00a0exposici\u00f3n\u00a0a\u00a0riesgos\u00a0de\u00a0renovaci\u00f3n,\u00a0reflejando la\u00a0necesidad\u00a0de seguir fortaleciendo\u00a0su\u00a0suscripci\u00f3n\u00a0y diversificaci\u00f3n\u00a0de\u00a0negocios. \u00a0La\u00a0aseguradora\u00a0pertenece a\u00a0Castillo Holding Co.,\u00a0inversionista\u00a0presente\u00a0en diversas\u00a0instituciones\u00a0financieras\u00a0de\u00a0la regi\u00f3n ydel pa\u00eds.\u00a0El\u00a0importante\u00a0compromiso de\u00a0sus\u00a0accionistas, la experiencia\u00a0de\u00a0la administraci\u00f3n y\u00a0un\u00a0perfil\u00a0financiero en\u00a0procesode\u00a0consolidaci\u00f3n dan respaldo\u00a0a\u00a0su\u00a0estrategia,\u00a0coherente\u00a0con\u00a0el\u00a0modelo\u00a0de\u00a0negocios\u00a0que\u00a0el\u00a0mercado manifiesta. \u00a0A\u00f1o\u00a0a\u00a0a\u00f1o\u00a0su\u00a0participaci\u00f3n\u00a0de\u00a0mercado\u00a0ha\u00a0estado\u00a0aumentando,\u00a0logrando desde\u00a02012\u00a0cuadruplicar\u00a0sus\u00a0ingresos incorporandonuevos\u00a0segmentos.\u00a0As\u00ed,\u00a0en\u00a0el\u00a0segmento\u00a0de\u00a0aseguradoras medianas\u00a0ha\u00a0alcanzado\u00a0una fuerte\u00a0posici\u00f3n.\u00a0Hist\u00f3ricamente,\u00a0suportafolio\u00a0de\u00a0seguros se orientaba\u00a0a\u00a0veh\u00edculos\u00a0motor,\u00a0incendio, fianzas\u00a0y [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":74923,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[],"class_list":["post-74922","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nacionales"],"_links":{"self":[{"href":"https:\/\/informativoaldia.com\/index.php?rest_route=\/wp\/v2\/posts\/74922","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/informativoaldia.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/informativoaldia.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/informativoaldia.com\/index.php?rest_route=\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/informativoaldia.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=74922"}],"version-history":[{"count":0,"href":"https:\/\/informativoaldia.com\/index.php?rest_route=\/wp\/v2\/posts\/74922\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/informativoaldia.com\/index.php?rest_route=\/wp\/v2\/media\/74923"}],"wp:attachment":[{"href":"https:\/\/informativoaldia.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=74922"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/informativoaldia.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=74922"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/informativoaldia.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=74922"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}