Beam Journal of Economic Studies
Volume 9, Numéro 1, Pages 456-473
2025-03-17
Solvency Trends And Prudential And Risk Management Challenges Of The Algerian Damage Insurance
Authors : Ait Chikh Hanane . Latreche Tahar .
Abstract
The purpose of this article is to analyze the solvency indicators of Algerian damage insurance companies, to examine the current regulatory framework of solvency, its foundations, and its limits and to identify the challenges of adopting “new prudential rules based on risks”. According to the conclusions of this study, the solvency indicators very clearly improved during the observation period 2015-2022. Furthermore, the evolution of the Algerian current prudential rules based on Solvency II system based on a “risk-based approach” is necessary to strengthen the insurer’s risk management and the protection of the policyholders’ interests. A multitude of challenges (issues linked to the roadmap definition, macroeconomic context, operational and technical specifications of the Algerian damage insurance market) must be integrated from of the beginning of the reflection on the establishment of a new solvency prudential system.
Keywords
damage insurance ; risk management ; challenges ; solvency II ; solvency I
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