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The Intermediate Model for the Solvency of a Financial Institution

The regulator that is required to approve the statistical model and its parameters relies on the data that the insurance company provides. In case the regulator approves the model, he has some responsibility for it. The inability to validate the model, due to lack of resources or lack of understanding, causes the regulator to reject the proposed internal model and to ask the company to work with the standard model. This issue raises mainly in a small financial institutions and in a small line of business at big financial institutions. To overcome this conflict, we suggest the financial institution to follow an intermediate model, which is a weighted average of the internal model and the standard one.