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| Classification |
Comment |
| Insurance risk |
the case where insurance payouts etc. exceed the forecasted levels due to the occurrence of extraordinary situations or changes in economic environment |
| > product development risk, insurance takeover risk, insurance sales risk |
| Financial risk |
the case where the financial value of assets decrease due to the unfavorable fluctuation in economic environment and related indices |
| > credit risk, market risk, asset allocation risk, interest rate risk, liquidity risk |
| Business risk |
decrease in solvency due to weakening management environ-ment and inefficient management, IT system errors, violation of administrative standards by staff etc. and the possibility of financial or non-financial loss in the overall management |
| > solvency risk, IT risk, compliance risk |
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