Promoting debate and fresh thinking in the financial sector

CII Thinkpieces are a part of our ongoing commitment to promoting new thinking within the financial sector. Each Thinkpiece is a short paper contributed by an expert and covering topics as diverse as pensions, Islamic finance, terrorism, recruitment, claims, consumer psychology, and more.

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Latest Articles
	Ron Wheatcroft and Stephen Bale: Too Big to Ignore: Protection & Perception Gaps 29 January 2010: Ron Wheatcroft and Stephen Bale of Swiss Re take a closer look at the long-term insurance market with a particular emphasis on protection insurance, drawing from a large consumer research project. They call the life insurance industry to engage with consumers, govenment and employers in a concerted effort to close the protection and perception gaps.
	Gemma Tetlow and Matthew Wakefield: Comfortable Retirement Goes with a Crunch? 12 January 2010: Gemma Tetlow and Matthew Wakefield of the Institute of Fiscal Studies consider the extent to which resources of those near retirement have been vulnerable to asset price changes as a result of the credit crunch and recession.
	Karl Snowden: Financial Regulation: What Good Really Looks Like? 10 November 2009: how much financial services regulation is appropriate to protect the public while promoting a free market has been a key debate within the industry and government in recent years, especially after the financial crisis and on the eve of a general election. Karl Snowden examines various aspects of regulation, including what can and cannot be done to avert crises and produce the best outcomes.
	Colin Challen: What are the chances for success in Copenhagen? Climate Change Series No. 4 26 October 2009: After a long year of detailed negotiations preparing for the U.N. climate change conference in Copenhagen, Colin Challen MP gives an honest assessment of where we stand. He outlines three risks which could threaten the success of any agreement in Copenhagen, and calls for a coherent framework to help us meet the targets we so desperately need to agree.
	Richard Jones, John Smith and Brid Meaney: Solvency II: Enabling Transformation Through Regulation 8 October 2009: Solvency II legislation which will take effect in October 2012 will implement a fundamental change to the current European insurance solvency framework and each insurer should decide now what Solvency II means for them. This Thinkpiece, written by Richard Jones, John Smith and Brid Meaney of IBM, outlines the key decisions that need to be made now to design the appropriate Solvency II programme. Insurers need to understand the drivers that could influence both the scale of investment and the value to be derived from their Solvency II Programmes. To read IBM’s full paper upon which this Thinkpiece is based, entitled Solvency II: Enabling Transformation Through Regulation, please click here.