IAIS & BIS：2026网络保险市场洞察报告：构筑企业数字化安全防护屏障（英文版）（44页）.pdf

1、 FSI Insights on policy implementation No 75 Cyber insurance unpacked:the corporate digital safety net by Adrien Currat,Joe Perry and Jeffery Yong June 2026 JEL classification:G18,G22 Keywords:cyber risk,insurance,operational resilience ii FSI Insights are written by members of the Financial Stabili

2、ty Institute(FSI)of the Bank for International Settlements(BIS),often in collaboration with staff from supervisory agencies and central banks.The papers aim to contribute to international discussions on a range of contemporary regulatory and supervisory policy issues and implementation challenges fa

3、ced by financial sector authorities.The views expressed in this publication are those of the authors and do not necessarily reflect the views of the BIS,its member central banks or the Basel-based standard-setting bodies.Authorised by the Chair of the FSI,Fernando Restoy,and the Chair of the Executi

4、ve Committee of the International Association of Insurance Supervisors,Toshiyuki Miyoshi.This publication is available on the BIS website(www.bis.org).To contact the BIS Global Media and Public Relations team,please email mediabis.org.You can sign up for email alerts at www.bis.org/emailalerts.htm.B

5、ank for International Settlements 2026.All rights reserved.Brief excerpts may be reproduced or translated provided the source is stated.ISSN 2522-249X(online)ISBN 978-92-9259-954-6(online)Cyber insurance unpacked:the corporate digital safety net iii Contents Executive summary.1 Section 1 Introductio

6、n.3 Section 2 Nature of cyber insurance product.5 Coverage.8 Non-affirmative coverage.11 Section 3 Underwriting and pricing.13 Underwriting of cyber insurance.13 Pricing of cyber insurance.16 Accumulation risk.20 Section 4 Protection gap.23 Size of the gap and the trend.23 Reasons for the gap.24 Add