{{Short description|Standard for insurance companies}} The '''Swiss Solvency Test''' (SST) is a risk-based capital standard for insurance companies in Switzerland, in use since 2006.<ref name="finma-2006">{{cite web |url=https://www.finma.ch/finmaarchiv/bpv/download/e/FactSheSST_e.pdf |title=Risk-based supervision – the Swiss Solvency Test (SST) |work=FINMA |date=22 January 2006 |access-date=26 June 2025}}</ref> The SST was developed by the Swiss Federal Office of Private Insurance (FOPI) in cooperation with the Swiss insurance industry.<ref name="finma-2006" />
The SST measures risks using the following basic principles:<ref>{{cite web |url=https://www.finma.ch/en/~/media/finma/dokumente/dokumentencenter/myfinma/faktenblaetter/faktenblatt-schweizer-solvenztest-sst.pdf |title=Fact Sheet: The Swiss Solvency Test |work=FINMA |date=1 January 2024 |access-date=26 June 2025}}</ref> * Financial instruments with market prices must be recognized on the balance sheet at market price * Capital requirements must be risk-based * The balance sheet must be assessed as a whole without any off-balance sheet positions
== See also == * Solvency II * Capital adequacy ratio
== References == {{Reflist}}
Category:Financial regulation Category:Insurance legislation Category:Capital requirement Category:Regulation in Switzerland
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