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市場調查報告書
英國脫歐的實現——快速消費品 (FMCG) 和金融科技行業受到廣泛認可Brexit Realized - FMCG and Fintech Sectors changed significantly, and consequences are being tallied |
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| 出版商 | MarketLine | 商品編碼 | 1010027 | ||||
| 出版日期 | 內容資訊 | 英文 23 Pages  |
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| 英國脫歐的實現——快速消費品 (FMCG) 和金融科技行業受到廣泛認可 Brexit Realized - FMCG and Fintech Sectors changed significantly, and consequences are being tallied | ||
| 出版日期: 2021年05月30日 | 內容資訊: 英文 23 Pages |
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英國和歐盟未來的關係仍然不確定。英國保險公司失去了護照權利（無論居住國，EEA成員國都可以自由提供跨境服務，因此不需要單獨的許可證）和歐洲經濟區（EEA）。）已經失去了提供服務的自由為其成員國提供跨境服務。此外，英國-歐盟貿易合作協議 (TCA) 並未確認等同於金融服務提供商。獲得這種等效性對於促成英國和歐盟之間的雙邊協議以及建立促進跨境合同的框架至關重要。
加入歐盟47年的英國於2020年1月31日正式脫離歐盟。然而，在過渡期結束且新立法於 2021 年 1 月 1 日生效後，英國退歐的影響最為明顯。這一天，英國正式成為歐盟的第三個國家。就在過渡期結束前幾天，由於對英國退歐懸崖邊緣的擔憂，英國和歐盟在 2020 年平安夜簽署了一項貿易協議。
英國退歐對保險公司的最大威脅是失去護照權利的前景。英國-歐盟貿易合作協議 (TCA) 確認了護照權利的喪失，但儘管英國被 Solvency II 覆蓋，但沒有關於等效條款的決定。
本報告重點關注英國脫歐快速消費品 (FMCF) 和金融科技行業的實現後、享受脫歐的贏家和受影響的輸家的狀況、英國脫歐的主要監管趨勢以及保險行業的情況和建議，以及英國脫歐後的消費趨勢。
The future relationship between the UK and the EU still looks unclear. UK insurers have lost their passporting rights, no longer having the freedom to provide cross-border services to any European Economic Area (EEA) member state and vice versa. More so, the UK-EU Trade and Cooperation Agreement (TCA) did not confirm equivalence for financial services providers. Obtaining this equivalence is essential to set a framework to enable bilateral agreements between the UK and the EU and facilitate cross-border contracts.
The future relationship between the UK and the EU still looks unclear. UK insurers have lost their passporting rights, no longer having the freedom to provide cross-border services to any European Economic Area (EEA) member state and vice versa. More so, the UK-EU Trade and Cooperation Agreement (TCA) did not confirm equivalence for financial services providers.
Obtaining this equivalence is essential to set a framework to enable bilateral agreements between the UK and the EU and facilitate cross-border contracts.
The UK formally left the EU on January 31, 2020 after 47 years of membership with the bloc. Yet the impact of the UK's divorce from the EU has been most apparent since the transition period came to an end and new legislation came into force from January 1, 2021. On this day, the UK officially became a third country to the EU. The UK and the EU reached a trading agreement on Christmas Eve 2020, just days before the end of the transition period and amid fears of a cliff-edge Brexit. It came years after the UK voted to leave the EU in 2016 and embarked into lengthy negotiations with the EU, creating political, economic, and social uncertainty in the process.
The greatest threat posed by Brexit for insurers was the prospect of losing their passporting rights, i.e. the freedom to provide cross-border services to any EEA member state, regardless of the country of domicile, and without needing separate authorization to do so. Linked to this was the freedom of establishment of local branches anywhere in the EEA. The TCA did confirm the loss of passporting rights, while there were no decisions on equivalence provisions despite the UK being governed by Solvency II.
Executive Summary
Winners and losers through Brexit changes
Brexit "winners" were larger and more prepared
Brexit "losers" were smaller and reliant on UK EU trade
A key solution was to operate elsewhere
Key Brexit regulatory trends
GIT insurers need to focus on increased hold ups at borders
Farming insurance may change to balance new environmental focus
Motor insurance industry is facing change
Motor insurers will have to deal with Green Card issues
Travel insurance demand remains relatively strong
Implications for FMCG companies are new strategic balances
Key consumer trends since Brexit
Appendix
