A criação de agência reguladora para o setor de seguros privados, resseguro, previdência complementar aberta e capitalização na percepção de executivos do setor
Autor(a) principal: | |
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Data de Publicação: | 2016 |
Tipo de documento: | Dissertação |
Idioma: | por |
Título da fonte: | Repositório Institucional do FGV (FGV Repositório Digital) |
Texto Completo: | https://hdl.handle.net/10438/17052 |
Resumo: | This study's purpose is the study of the governance model of the Superintendency of Private Insurance - SUSEP, common autarchy, confronting it with the special autarchy, mainly with the regulatory agencies. The study originated in exploratory research through interviews with executives who work and have extensive experience in the private insurance industry, reinsurance, open private pension and capitalization. As the observations made in interviews, the main characteristic problems of the current governance model Susep are no organizational independence and financial and budgetary autonomy. This work has deepened in the national literature understanding these characteristics within the brazilian federal regulatory agencies, in contrast to the current peculiar characteristics of the governance model of common autarchy. The model of regulatory agencies was chosen because most of the interviewees expressed understanding in the sense that the current governance model of Susep is outdated and that the adoption of the regulatory agency model would be the most appropriate for the sector. Specialized law and doctrine regulatory agencies were consulted, so as Tax and Economic Laws. There were examinated judgments of the Court of Audit and researches, national reports and studies carried out in the fields of organic independence and financial autonomy and budget of brazilian federal regulatory agencies. There were also analyzed several bills pending in Congress that propose changes in the organizational structure of the brazilian federal regulatory agencies and laws dealing with financial management and budget of these agencies. Finally, it was concluded that although the creation of a regulatory agency for the private insurance industry, reinsurance, open private pension and capitalization can contribute to overcoming problems associated with the current model of governance of Susep, such a model will not bring a definitive solution to the current problems in the Susep regarding the lack of organizational independence and financial and budgetary autonomy of the organ. Furthermore, although the regulatory agency model may present advantages over common autarchy model, the governance model of the brazilian federal regulatory agencies needs to be improved to ensure greater independence and effective financial and budgetary autonomy. |
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Carneiro, Alessandra Vasconcelos Araújo RodriguesEscolas::DIREITO RIOGuerra, Sérgio Antônio SilvaRibeiro, Leandro MolhanoCunha, Mario Viola de AzevedoCavalli, Cássio Machado 2016-09-12T12:50:15Z2016-09-12T12:50:15Z2016-08-02CARNEIRO, Alessandra Vasconcelos Araújo Rodrigues. A criação de agência reguladora para o setor de seguros privados, resseguro, previdência complementar aberta e capitalização na percepção de executivos do setor. Dissertação (Mestrado em Direito da Regulação) - Escola de Direito do Rio de Janeiro, Fundação Getúlio Vargas - FGV, Rio de Janeiro, 2016.https://hdl.handle.net/10438/17052This study's purpose is the study of the governance model of the Superintendency of Private Insurance - SUSEP, common autarchy, confronting it with the special autarchy, mainly with the regulatory agencies. The study originated in exploratory research through interviews with executives who work and have extensive experience in the private insurance industry, reinsurance, open private pension and capitalization. As the observations made in interviews, the main characteristic problems of the current governance model Susep are no organizational independence and financial and budgetary autonomy. This work has deepened in the national literature understanding these characteristics within the brazilian federal regulatory agencies, in contrast to the current peculiar characteristics of the governance model of common autarchy. The model of regulatory agencies was chosen because most of the interviewees expressed understanding in the sense that the current governance model of Susep is outdated and that the adoption of the regulatory agency model would be the most appropriate for the sector. Specialized law and doctrine regulatory agencies were consulted, so as Tax and Economic Laws. There were examinated judgments of the Court of Audit and researches, national reports and studies carried out in the fields of organic independence and financial autonomy and budget of brazilian federal regulatory agencies. There were also analyzed several bills pending in Congress that propose changes in the organizational structure of the brazilian federal regulatory agencies and laws dealing with financial management and budget of these agencies. Finally, it was concluded that although the creation of a regulatory agency for the private insurance industry, reinsurance, open private pension and capitalization can contribute to overcoming problems associated with the current model of governance of Susep, such a model will not bring a definitive solution to the current problems in the Susep regarding the lack of organizational independence and financial and budgetary autonomy of the organ. Furthermore, although the regulatory agency model may present advantages over common autarchy model, the governance model of the brazilian federal regulatory agencies needs to be improved to ensure greater independence and effective financial and budgetary autonomy.O presente trabalho tem por objeto o estudo do modelo de governança da Superintendência de Seguros Privados – Susep, autarquia comum, confrontando-o com o modelo de autarquia especial, principalmente com o de agência reguladora, espécie daquele. O estudo teve origem em pesquisa exploratória, por meio da realização de entrevistas com executivos que atuam e possuem larga experiência no setor de seguros privados, resseguro, previdência complementar aberta e capitalização. Conforme as observações colhidas nas entrevistas, os principais problemas característicos do modelo de governança atual da Susep são ausência de independência orgânica e de autonomia financeira e orçamentária. O presente trabalho aprofundou na literatura nacional a compreensão dessas características no âmbito das agências reguladoras federais brasileiras, em contraste com as características atuais peculiares ao modelo de governança de autarquias comuns. O modelo das agências reguladoras foi escolhido pois a maioria dos próprios entrevistados manifestou entendimento no sentido de que o atual modelo de governança da Susep está ultrapassado e que a adoção do modelo de agência reguladora seria o mais adequado para o setor. Foram consultadas a legislação e doutrina especializada em agências reguladoras, Direito Tributário e Direito Econômico, bem como examinados acórdãos do Tribunal de Contas da União e pesquisas, relatórios e estudos nacionais já realizados nas searas da independência orgânica e da autonomia financeira e orçamentária das agências reguladoras federais brasileiras. Também foram analisados diversos projetos de lei em tramitação no Congresso Nacional, que propõem alterações na estrutura organizacional das agências reguladoras federais brasileiras e nas leis que tratam da gestão financeira e orçamentárias dessas agências. Por fim, concluiu-se que, embora a criação de uma agência reguladora para o setor de seguros privados, resseguro, previdência complementar aberta e capitalização possa contribuir para a superação de problemas associados ao modelo atual de governança da Susep, tal modelo não trará uma solução definitiva para os problemas atualmente existentes na Susep no que diz respeito à ausência de independência orgânica e de autonomia financeira e orçamentária do órgão. Além disso, embora o modelo de agência reguladora possa apresentar vantagens em relação ao modelo de autarquia comum, o modelo de governança das agências reguladoras federais brasileiras necessita ser aperfeiçoado para que se assegure maior independência e efetiva autonomia financeira e orçamentária.porAutarchyRegulatory agenciesIndependenceAutonomyRegulationInsuranceReinsuranceOpen pension fundsCapitalizationAgência reguladoraIndependênciaRegulaçãoPrevidência complementar abertaCapitalizaçãoDireitoAgências reguladoras de atividades privadasSegurosAutarquiasAutonomiaResseguroPrevidência privadaA criação de agência reguladora para o setor de seguros privados, resseguro, previdência complementar aberta e capitalização na percepção de executivos do setorinfo:eu-repo/semantics/publishedVersioninfo:eu-repo/semantics/masterThesisinfo:eu-repo/semantics/openAccessreponame:Repositório Institucional do FGV (FGV Repositório Digital)instname:Fundação Getulio Vargas (FGV)instacron:FGVTEXTDissertação Mestrado. 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dc.title.por.fl_str_mv |
A criação de agência reguladora para o setor de seguros privados, resseguro, previdência complementar aberta e capitalização na percepção de executivos do setor |
title |
A criação de agência reguladora para o setor de seguros privados, resseguro, previdência complementar aberta e capitalização na percepção de executivos do setor |
spellingShingle |
A criação de agência reguladora para o setor de seguros privados, resseguro, previdência complementar aberta e capitalização na percepção de executivos do setor Carneiro, Alessandra Vasconcelos Araújo Rodrigues Autarchy Regulatory agencies Independence Autonomy Regulation Insurance Reinsurance Open pension funds Capitalization Agência reguladora Independência Regulação Previdência complementar aberta Capitalização Direito Agências reguladoras de atividades privadas Seguros Autarquias Autonomia Resseguro Previdência privada |
title_short |
A criação de agência reguladora para o setor de seguros privados, resseguro, previdência complementar aberta e capitalização na percepção de executivos do setor |
title_full |
A criação de agência reguladora para o setor de seguros privados, resseguro, previdência complementar aberta e capitalização na percepção de executivos do setor |
title_fullStr |
A criação de agência reguladora para o setor de seguros privados, resseguro, previdência complementar aberta e capitalização na percepção de executivos do setor |
title_full_unstemmed |
A criação de agência reguladora para o setor de seguros privados, resseguro, previdência complementar aberta e capitalização na percepção de executivos do setor |
title_sort |
A criação de agência reguladora para o setor de seguros privados, resseguro, previdência complementar aberta e capitalização na percepção de executivos do setor |
author |
Carneiro, Alessandra Vasconcelos Araújo Rodrigues |
author_facet |
Carneiro, Alessandra Vasconcelos Araújo Rodrigues |
author_role |
author |
dc.contributor.unidadefgv.por.fl_str_mv |
Escolas::DIREITO RIO |
dc.contributor.member.none.fl_str_mv |
Guerra, Sérgio Antônio Silva Ribeiro, Leandro Molhano Cunha, Mario Viola de Azevedo |
dc.contributor.author.fl_str_mv |
Carneiro, Alessandra Vasconcelos Araújo Rodrigues |
dc.contributor.advisor1.fl_str_mv |
Cavalli, Cássio Machado |
contributor_str_mv |
Cavalli, Cássio Machado |
dc.subject.eng.fl_str_mv |
Autarchy Regulatory agencies Independence Autonomy Regulation Insurance Reinsurance Open pension funds Capitalization |
topic |
Autarchy Regulatory agencies Independence Autonomy Regulation Insurance Reinsurance Open pension funds Capitalization Agência reguladora Independência Regulação Previdência complementar aberta Capitalização Direito Agências reguladoras de atividades privadas Seguros Autarquias Autonomia Resseguro Previdência privada |
dc.subject.por.fl_str_mv |
Agência reguladora Independência Regulação Previdência complementar aberta Capitalização |
dc.subject.area.por.fl_str_mv |
Direito |
dc.subject.bibliodata.por.fl_str_mv |
Agências reguladoras de atividades privadas Seguros Autarquias Autonomia Resseguro Previdência privada |
description |
This study's purpose is the study of the governance model of the Superintendency of Private Insurance - SUSEP, common autarchy, confronting it with the special autarchy, mainly with the regulatory agencies. The study originated in exploratory research through interviews with executives who work and have extensive experience in the private insurance industry, reinsurance, open private pension and capitalization. As the observations made in interviews, the main characteristic problems of the current governance model Susep are no organizational independence and financial and budgetary autonomy. This work has deepened in the national literature understanding these characteristics within the brazilian federal regulatory agencies, in contrast to the current peculiar characteristics of the governance model of common autarchy. The model of regulatory agencies was chosen because most of the interviewees expressed understanding in the sense that the current governance model of Susep is outdated and that the adoption of the regulatory agency model would be the most appropriate for the sector. Specialized law and doctrine regulatory agencies were consulted, so as Tax and Economic Laws. There were examinated judgments of the Court of Audit and researches, national reports and studies carried out in the fields of organic independence and financial autonomy and budget of brazilian federal regulatory agencies. There were also analyzed several bills pending in Congress that propose changes in the organizational structure of the brazilian federal regulatory agencies and laws dealing with financial management and budget of these agencies. Finally, it was concluded that although the creation of a regulatory agency for the private insurance industry, reinsurance, open private pension and capitalization can contribute to overcoming problems associated with the current model of governance of Susep, such a model will not bring a definitive solution to the current problems in the Susep regarding the lack of organizational independence and financial and budgetary autonomy of the organ. Furthermore, although the regulatory agency model may present advantages over common autarchy model, the governance model of the brazilian federal regulatory agencies needs to be improved to ensure greater independence and effective financial and budgetary autonomy. |
publishDate |
2016 |
dc.date.accessioned.fl_str_mv |
2016-09-12T12:50:15Z |
dc.date.available.fl_str_mv |
2016-09-12T12:50:15Z |
dc.date.issued.fl_str_mv |
2016-08-02 |
dc.type.status.fl_str_mv |
info:eu-repo/semantics/publishedVersion |
dc.type.driver.fl_str_mv |
info:eu-repo/semantics/masterThesis |
format |
masterThesis |
status_str |
publishedVersion |
dc.identifier.citation.fl_str_mv |
CARNEIRO, Alessandra Vasconcelos Araújo Rodrigues. A criação de agência reguladora para o setor de seguros privados, resseguro, previdência complementar aberta e capitalização na percepção de executivos do setor. Dissertação (Mestrado em Direito da Regulação) - Escola de Direito do Rio de Janeiro, Fundação Getúlio Vargas - FGV, Rio de Janeiro, 2016. |
dc.identifier.uri.fl_str_mv |
https://hdl.handle.net/10438/17052 |
identifier_str_mv |
CARNEIRO, Alessandra Vasconcelos Araújo Rodrigues. A criação de agência reguladora para o setor de seguros privados, resseguro, previdência complementar aberta e capitalização na percepção de executivos do setor. Dissertação (Mestrado em Direito da Regulação) - Escola de Direito do Rio de Janeiro, Fundação Getúlio Vargas - FGV, Rio de Janeiro, 2016. |
url |
https://hdl.handle.net/10438/17052 |
dc.language.iso.fl_str_mv |
por |
language |
por |
dc.rights.driver.fl_str_mv |
info:eu-repo/semantics/openAccess |
eu_rights_str_mv |
openAccess |
dc.source.none.fl_str_mv |
reponame:Repositório Institucional do FGV (FGV Repositório Digital) instname:Fundação Getulio Vargas (FGV) instacron:FGV |
instname_str |
Fundação Getulio Vargas (FGV) |
instacron_str |
FGV |
institution |
FGV |
reponame_str |
Repositório Institucional do FGV (FGV Repositório Digital) |
collection |
Repositório Institucional do FGV (FGV Repositório Digital) |
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repository.mail.fl_str_mv |
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